The Competitiveness Research Of Listed Commercial Banks In China

With the rapid development of global economy, finance has become the core ofmodern economy. Since the financial crisis in2008, the national economy is stillrecovery slowly, and affected by domestic and international economic situationdownward, the pressure of Chinese economy is grown, then bring great negativeimpact to the development of China’s bank. At the same time,with China’s financialmarket opening to the world, a large number of excellent foreign Banks came intoChina’s market and influenced the China’s banking industry competition. In addition,the emergence of financial disintermediation and the speeding up of marketization ofinterest rate had waken up the traditional business of commercial bank in our country.Therefore, to study the competitiveness of listed commercial Banks has importantpractical significance to the healthy and stable development of China’s bankingindustry.To study the competitiveness of listed commercial Banks, we must to understandthese three questions:"what is the competitiveness of Bank"," what constitutes thecompetitiveness of Bank","how to evaluation the competitiveness of Bank ", then tothink about this question of "how to enhance the competitiveness of Bank. Through tothe commercial Banks competitiveness definition, characteristics and formationmechanism we can dig out the constituent elements of bank competitiveness, so as toestablish bank competitiveness evaluation model and select the correspondingindicators to lay a good foundation.Competitiveness from the bank of resources, and capacity and environmentalfactors of three aspects can help us to analyze the present situation of bankcompetitiveness of listed Banks current competitiveness overall grasp and differenceanalysis. Then using the method of evaluation index system can select evaluationindex of competitiveness of commercial Banks from different aspects, construct areasonable comprehensive evaluation index system. According to the principalcomponent analysis method and SPSS19.0software objective and reasonableevaluation result are obtained. Through conclusion we found that in the threecategories listed commercial Banks, the comprehensive competitiveness of listedstate-owned commercial bank level was the strongest, followed by other listedjoint-stock commercial Banks, the city commercial Banks listed is the weakest; Andcompared between the three categories listed Banks, they has their own strength in the competitiveness level of scale, security, profitability and development of the bank.Thus targeted for us promoting competition force prerequisite for listed commercialBanks from the scale, security, profitability and the external environment of the fouraspects of the commercial bank.