Study On Xi’an Branch Of DY Commercial Bank’s Competitivenessness

Finance has effected the development of ecnomy, and the commercial bank has effected the development of finance. The development of Xi’an branch of DY commercial bank not only effects xi’an financial development, but also effects xi’an ecnomic development and public order. Xi’an branch of DY commercial bank has developed at high speed from the openning reform. Xi’an branch of DY commercial bank’s scale has growing year by year, traditional business has increased, the new and developing business has increased, the profit has increased, non-perform loan has decreased. Meanwhile, the environment has changed. Therefore, commercial bank’s Competitivenessness is becoming a hot topic in China. At first, the paper has elabrated enterprise Competitivenessness theories, secondly, the paper has worked out commercial bank’s Competitivenessness index. Thirdly, the paper has used Fuzzy Comprehensive Evaluation Method to measure Chinese commercial banks’ Competitivenessness from2008to2012. The conclusions show us that Xi’an branch of DY commercial bank’s Competitivenessness is too low. There are obvious discrepancies among defferent Xi’an branchs of commercial banks. And the change of Xi’an branch of DY commercial bank’s Competitivenessness is that, although it had fluctuated, it has increasing in all. Fourthly, the paper has proposed some suggestions to improve Xi’an branch of DY commercial bank’s Competitivenessnessness.The main body of this paper is composed of four parts except the foreword and concluding remarks. First part has commented on the empirical measurement of Competitivenessnessness and literature review firstly. Factor analysis, AHP (AnalyticHierarchyProcess), PCA (principal components analysis) ect. can measure Competitivenessnessness, but each of the approaches has advantage and drawback. Secondly, the part has commented literature review of Chinese commercial banks’Competitivenessnessness. Finally, the paper has elabrated and evaluated enterprise Competitivenessness theories.Second part has worked out commercial bank’s Competitivenessness index, from security, liquid, profit capability, development, innovation, developing quality, including14indexes.Third part has measured Xi’an branch of DY commercial bank’s Competitivenessnessness from2008to2012by using Fuzzy Comprehensive Evaluation Method. The conclusions show us that Xi’an branch of DY commercial bank’s Competitivenessnessness is low, There are obvious discrepancies among different Xi’an branch of commercial bank’s, and the change of Xi’an branch of DY commercial bank’s Competitivenessness is that, although it had fluctuated, it has increasing slowly.Fourth part has proposed some suggestions to improve Xi’an branch of DY commercial bank’s. The first is to speed up financial innovation. The second is to speed up medium business. The third is to improve the financial ecological environment. The fourth is to decrease the cost, improve profit capability. The fifth is to improve human capital’s quality.The sixth is to carry forward financial system reform.human capital’s quality.