Research On Competitiveness Evaluation About Chinese Listed Commercial Bank On The Basis Of Grey Relational Theory

With China’s accession to WTO, foreign banks continue to come into our country, whichbrings fresh blood to our financial industry, also meanwhile brings great pressure andchallenge. At the same time, the domestic financial situation is complicated, including thedomestic market-oriented interest rate reform, the rapid development of Internet finance andother, which brings new pressure to the traditional commercial banks and affects thecompetitiveness improvement of commercial banks in China. In this context, in order toremain unbeaten in the fierce competition, how to improve the management ability is theproblem that must think about seriously. The competitiveness of the commercial banks shouldbe evaluated objectively and comprehensively. Then making it clear its own position, shortageand improvement direction in the industry included, is the premise and key links for thecommercial banks to improve its management ability and strengthen its competitive advantage.So the research on the competitiveness evaluation of the listed commercial bank has importantpractical significance.Firstly, the competitiveness and its related concepts and theories will be introduced.Secondly, in combination with the practical development of the banks, the commercial bankcompetitiveness evaluation index system including profitability, risk control ability,development ability, market share, corporate governance and the innovation ability will bebuilt. In the empirical study, analytic hierarchy process will be used to determine thecompetitiveness index weight. Because the bank competitiveness and its related factors are agrey system, the method of the grey relational comprehensive evaluation will be used toestablish the grey comprehensive evaluation model. The panel data of2012will be used tohave the grey correlation analysis for the16listed commercial banks of our country. Then,from the view of the static, the empirical research results of2012will be made. In order tofurther understand the competitiveness of commercial banks in China, the trend of20082012dynamic change will be made from the view of the dynamic. The results are similar to the previous and are accord with the actual situation. The resultsshow that about the comprehensive competitiveness, China Construction Bank and Industrialand Commercial Bank in the state-owned banks is much stronger, the Agricultural Bank is theweakest; Merchants bank and Minsheng bank among the Joint-stock Banks in China isstronger, Huaxia Bank is weaker. In the city commercial bank, Ningbo City Commercial Bankowns a strong comprehensive competitiveness. In2012, the comprehensive competitiveness ofIndustrial Bank is the strongest, Pingan bank is the weakest. Though the listed commercialbanks in China are in a good development, the capital adequacy ratio and asset quality is stilllow, the innovation ability is not strong, and some problems such as the structure of theimperfect corporate governance. On this basis, aiming at these problems, the suggestions andcountermeasures will be put forward to improve our commercial bank competitiveness.