A Study On The Influencing Factors Of Competitiveness Of Chinese Urban Commercial Banks

The city commercial bank belongs to joint-stock commercial Bank, which is established jointly by local businesses,finance and residents based on urban credit cooperatives under the approval of the state council. Its main task is to provide financial support for regional economy through the financing behavior. It is the market positioning that the city commercial bank services for the local economy, small and medium-sized enterprises and city residents, it effectively fills the deficiency of the large state-owned commercial banks business scope.After years of development, It has become the indispensable component of Chinese banking system. It has played an irreplaceable role in small and medium-sized enterprise financial services, guarding against financial risks. promoting local economic development. According to data published by the CBRC, at the end of2012,144city commercial banks, near10thousand outlets and259262Employees throughout the country, the total assets about12.3469trillion, which accounts for9.24%of the banking financial institutions in the country.However, with the deepening of financial system reform and the all-round opening to the world of banking in our country, the competition in domestic banking industry is increasingly fierce, the city commercial banks face enormous challenges which survived in the cracks of the state-owned commercial banks, joint-stock commercial banks and foreign banks. The inevitable choice is to promote its competitiveness for coping with fierce competition. In this case, the study of the influence factors of city commercial banks competitiveness has important practical significance.Based on the above understanding, this article excavation deeply the main factors of Chinese city commercial banks competitiveness and influence degree to find the mean of improving its competitiveness by using factor analysis and multiple regression empirical method. The article includes seven parts.Chapter1:Introduction. To introduce the study background, significance, methods, framework, innovation points and the insufficiency.Chapter2:Theory and literature review. This chapter is the theoretical basis of the article, which mainly includes the definition of related concepts, theory overview and city commercial bank competitiveness in domestic and overseas research literature review.Chapter3:The development situation of Chinese city commercial bank. From its history and present situation, mainly introduce3aspects:the assets and liabilities status, capital and profit.Chapter4:The qualitative analysis on influence factors of Chinese city commercial bank competitiveness. This part mainly discusses the constituent elements and factors of city commercial bank competitiveness. Focus on7influencing factors of it from inside and outside two aspects.Chapter5:The empirical analysis on influence factors of Chinese city commercial banks competitiveness. Firstly, set up the indexes of its competitiveness evaluation and multiple linear regression, then carry on the factor analysis of99samples, finally, have the empirical analysis of the factors of it by multiple linear regression mode! to get the main factors.Chapter6:Suggestions to improve Chinese city commercial bank competitiveness. According to the conclusion of chapter5. puts forward some suggestions to promoting Chinese city commercial bank competitiveness.Chapter7:Conclusion. Come to the conclusion according to the analysis.