Empirical Research Of The Competitiveness Of Chinese Listed Commercial Banks

As banks play an increasingly important role in the modern economy, banking sector has become the core of the financial system.After years of deepening reform, on the one hand, the overall strength and asset qualityof China’s banking sector have been enhanced, on the other its anti-risk capability and profitability have also constantly been improved. However, tax burden and other factors gradually affecting the competitiveness of banks requires us to do some in-depth researches.This paper is divided into four conclusions:The first conclusion is the competitivemodels of commercial banks. Competitiveness is a comprehensive capacity of the market share controlled, profitability and ability to resist risks. Competitiveness of commercial banks results from the interaction between internal conditions and external environment.The second conclusion is the empirical evaluation of listed commercial banks’competitiveness, which constructs the evaluation index system, concerning16listed commercial banks of2012. It comes to the conclusion that state-owned commercial banks are stronger than joint-stock commercial banks and city commercial banks.In single index, such as profitability or risk control ability, the state-owned commercial banks are weaker than commercial banks.The third conclusion is a empirical test of the factors that affect the competitiveness of listed commercial banks.The results show that, in the macro level, the overall tax burden of commercial banks has a significant impact on the competitiveness of commercial banks.In the level of meso, ownership of the property will have an appreciable impact on the competitiveness of commercial banks. In the micro aspect, assets size has a great impact on the competitiveness of commercial banks; liquidity ratio and the competitiveness of commercial banks is positive correlation;the capital adequacy ratio has an appreciable impact on bank competitiveness. The forth conclusion is the methods to improve the competitiveness of commercial banks. The most basic one is to optimize the internal financial environment of commercial banks. By accelerating the transformation of the government and fostering the financial market mechanism,a favorable financial external environment is forming. Through the optimization of corporate governance and marketing strategy, commercial banks have been improving the competitiveness in perfecting their organization structure,enhancingthe ability of risk management and innovation.