A Study On The Comprehensive Competitiveness Of Small And Medium-sized Joint-stock Commercial Bank In China

From its inception,small and medium-sized commercial banks in China has madeoutstanding contribution in resolving the local financial risks and supporting thedevelopment of the local economy and small and medium-sized enterprises.They hasbecome an important part of China’s financial industry and even the nationaleconomy.With the deepening of global economic integration and opening up of China’sfinancial industry, the number of banks in China is increasing, different size and differentproperty.Financial industry is tend to form the competitive pattern of local financialinstitutions,foreign financial institutions and non-financial institutions.Small andmedium-sized commercial banks should not only face the competition of domesticbanks,but also have to face the challenge of foreign banks.In the strongly competitiveenvironment,if they want to survive and develop,their own comprehensive competitivenessmust be improved.Therefore, how to construct the perfect competitiveness evaluationindex system of the small and medium-sized commercial banks,evaluate thecomprehensive competitiveness effectively,find out the major influence of thecomprehensive competitiveness,formulate the correct development strategy,and establishthe effective countermeasures, will be an important topic.This not only has importantpractical significance to the development of small and medium-sized commercial banks inChina, but also has positive significance for the sustainable development of our country’sfinancial industry.Small and medium-sized commercial banks include two categories,which arejoint-stock commercial banks and city commercial banks.The joint-stock commercialbanks are composed of12commercial banks,among which,8representative banks areselected as the research objects.The paper includes the following contents: The first chaptersummarizes the domestic and foreign research results of small and medium-sizedjoint-stock commercial bank comprehensive competitiveness.The second chapter definesthe research objects and the concept of the enterprise competitiveness,at the sametime,reviews the theoretical basis.The third chapter constructs the competitivenessevaluation model, namely PLS Path Modeling. The fourth chapter collects the original data of the research objects,and constructs the PLS path modeling using SmartPLS software forChina’s small and medium-sized joint-stock commercial banks.After estimation andinspection,this part finally ranks the8small and medium-sized joint-stock commercialbanks comprehensive competitiveness.Based on the above analysis,the fifth chapter findsout the disparities of the8small and medium-sized joint-stock commercial banks, and putsforward some countermeasures to promote China’s small and medium-sized joint-stockcommercial bank comprehensive competitiveness.The innovations of this article include the following two points:(1)Based on theparticularity of the small and medium-sized joint-stock commercial bank,the integrity andindependence between indexes,and the availability of construction,this paper constructs anevaluation index system to measure the small and medium-sized joint-stock commercialbank comprehensive competitiveness,which also gives a new interpretation for thestructure of the small and medium-sized joint-stock commercial bank comprehensivecompetitiveness.(2)the paper uses the partial least squares Path model (PLS Path Modeling)to research the data of the8representative banks in2011.Based the analysis and test,it notonly studies the relationship of comprehensive competitiveness and related variables evenlatent variables,but also forms the quantitative results.After that it establishes the effectivecountermeasures for the small and medium-sized joint-stock commercial banks.