The Research On The Core Competitiveness Of China Listed Commercial Banks

The international economic crisis is still affecting the global economy. Theinternational banking sector is reviving with difficulty. Chinese economy still facesthe risk of downturn. The macro-adjustment and control happens time to time.Despite all the above-mentioned situations, the Chinese banking sector, especially thelisted commercial banks outshine others, obtaining impressive achievements. Then,facing all kinds of difficulties and challenges, why the Chinese listed commercialbanks outshine others, and what the competitiveness, especially the corecompetitiveness of the Chinese listed commercial banks really is? Under thecondition that the financial reforms are pushed forward continuously, and the Chinesecommercial banks compete more and more fiercely with the foreign banks, how tokeep and to improve the competitiveness of the Chinese commercial banks not onlyaffects the steady development of the commercial banks, but also affects the financialstability and the economic stability in China. So, it’s an important research subject.The paper sets up the comprehensive evaluation system, and then chooses theindexes of listed banks according to the rules of comprehensiveness,representativeness, availability and comparability. The paper utilizes the SPSSsoftware to carry out the factor analysis on the indexes statistics, and then ranks thelisted banks on the scale, the earnings, the safety, and the growth. The reasons for theranking are sought then. At the end, the paper tries to find the strategies to improvethe banks’ core competitiveness from the considering of scale, multi-business, andintermediary businesses. The paper explores the solutions of merging with thebanking sector and the other financial sectors, building universal banks andspecialized banks, and improving the business procedures.The paper consists of5parts. The first part puts forward the background and thesignificance of the subject, and reviews the current research situation on the corecompetitiveness theories home and abroad. The second part reviews the developmentof the core competitiveness theories, and tries to define the inner meaning of the commercial banks’ core competitiveness, and sets up the evaluation system. The thirdpart reviews and summarizes the development history of China commercial banksand the current operating condition, including the transition of the banking system,stock system reform&listing, the market structure, the policy limitation, economicsituation home and abroad, financial market situation and etc. The fourth part utilizesthe SPSS software to implement the factor analysis on the evaluation system statistics,and outputs the scores of the commercial banks on different aspects. The fifth partseeks the strategies to improve the listed commercial banks’ core competitivenessfrom the considering of scale effect, multi-business, and intermediary businesses. Ihope the research of the paper is useful to the understanding and the improving of thecompetitiveness of the Chinese commercial banks.