The Research On The Core Comthepetitiveness Evaluation Of Listed Commercial Banks

Commercial Banks as the main part of financial market play an important role inthe economic development, perfect and motility commercial banks can effectivelyallocate social resources, improve resource utilization efficiency, optimize the way ofeconomic growth. In modern economy development process, whether commercialBanks is perfect and motility can judge on its core competitiveness evaluation,accompanied with the process of global economic integration accelerating, high-techtechnology widespread application, the core competitiveness of commercial Banks insuch aspects as characteristics, content and expression have taken place. Therefore, theresearch on commercial Banks core competitiveness evaluation becomes a focus ofconcern at present.Based on this, this article adopts the method of combining theory and empirical,with14listed commercial Banks in our country as the object, aim at China’s listedcommercial Banks core competitiveness evaluation research. The main content isdivided into the following four parts:The first part is the listed commercial Banks core competitiveness evaluationtheoretical basis. First of all, introduce the listed commercial Banks corecompetitiveness evaluation research background and significance, elaborated theresearch status of listed commercial Banks core competitiveness evaluation at home andabroad. Second, to the enterprise core competitiveness and the listed commercial bankcore competence concept is defined, and analyzes the elements listed commercial Bankscore competitiveness. Finally, through to the commercial Banks core competitivenessevaluation method of comparison and analysis, index evaluation method selected for thebank’s core competitiveness evaluation methods.The second part is the establishment of the listed commercial Banks corecompetitiveness evaluation index. First of all, this paper puts forward the establishmentof the listed commercial Banks core competitiveness evaluation index principles, toensure that the evaluation index is scientific and effective. Secondly, according to theconstituent elements of the core competitiveness of listed commercial Banks, wedetermine the evaluation content for innovation, profitability, liquidity, security ability,operation ability, growth ability, corporate governance structure, manpower andequipment, the scale strength, environment index in ten aspects. Finally, on the basis ofevaluation content21evaluation index is proposed, assignment of each evaluation index, using the21evaluation index to build the listed commercial Banks core competitivenessevaluation index system.The third part is the empirical study of listed commercial Banks corecompetitiveness evaluation. First of all, the selection of sample and variables, wechoose14listed commercial Banks in China as the sample, select21evaluation indexas the research variables. The second is the factor analysis method to the listedcommercial Banks core competitiveness evaluation index, empirical analysis14listedcommercial Banks core competitiveness and rankings by the result. Again is to use greycorrelation method of the listed commercial Banks core competitiveness evaluationindex of the empirical analysis, get the14listed commercial Banks corecompetitiveness rankings. Finally using Kendall consistency coefficient for two kinds ofempirical results rankings, know the listed state-owned commercial Banks rank, strongcore competitiveness, small and medium-sized listed commercial Banks low-ranking,weak core competitiveness, find influence the core competitiveness of commercialBanks listed five factors as follows: the size and development ability, profitability andability to innovate, operation and management ability, asset quality and safety capability,flow ability.The fourth part is conclusion and policy Suggestions, analysis summarized theresult of the empirical research, and puts forward some Suggestions to strengthen thecore competitiveness of listed commercial Banks, mainly including enlarging the scaleof assets; Product and service innovation to increase non-interest income; Strengthenthe talent introduction and application of science and technology; Intensify supervisionto listed commercial Banks, to reduce risk; Improve the corporate governance structurefive aspects.