A Study On The Competitiveness Of China 's Joint - Stock Commercial Banks

Finance is an integral part of the core of modern economy, It plays a importantrole in the social and economy development. A stable and healthy Financial system isdirectly related to the sound and rapid development of the national economy.Thefinance is related to the stability of the whole society. The finance is the key factor ofthe People’s livelihood. China is mainly indirect financing structure. And the bankingis become an important financial intermediation channel of the economy system. Thebank is occupies a dominant in the financial system. With the rapid growth of China’seconomic development the Shareholding Commercial Banks has become a importantbranch of the banking institutions, It is great support the large numbers of small andmedium-sized enterprises. The Shareholding Commercial Banks has madetremendous contributions in the reform and innovation of China’s banking industry.More and more foreign commercial banks to establish branches in China withthe Chinese entrance of WTO, These foreign commercial banks have abundant funds、advanced equipments、 a troop of technical personnel with the high diathesis、richexperience excelsior for finance technology, It have brought huge impacts on theShareholding Commercial Banks. Under the condition of the floating of interest ratesand Financial Disintermediation that the earnings shrank increasingly. Therefore,commercial banks will be faced by more interest-rate risks. It is the only way to theShareholding Commercial Banks that is increase its competitiveness up against thestrong opponent and under unfavorable market conditions. Through insist to make upfor their deficiencies, so as to enhance its competitiveness to obtain greater profits.This thesis mainly talks about12Shareholding Commercial Banks, and other5state-owned commercial Bank as Comparison. Through the establishment of aneffective system indicators and using SPSS software and factor analysis on thecompetitiveness of Shareholding Commercial Banks. We can know that theshareholding commercial bank’s greatest strengths and weaknesses by analysis andcomparisons. And we find some strategies to Promote the bank’s competitiveness at last, in order to support economic stability and the rapidly developing of nationaleconomy.