The Study On The Financial Competitiveness Of Chinese Commercial Banks

In recent years, with the continuous deepening of economic development, Chinese commercial banks in the whole economic system has become increasingly prominent role, but the challenges are in many aspects:both from the system inside the Commercial Bank of our country commercial bank competition, but also from foreign bank competition, more various challenges from perplexing economic, social environment and other which are in the external the banking system.Therefore, to enhance the core competitiveness, the competitiveness of China’s commercial banks, and promote the healthy development of China’s commercial banks, has become a urgent problem.The financial competitiveness is the competitiveness of commercial banks, core competitiveness should have righteousness, important content, to promote the financial competitiveness of commercial banks has an important role on promoting competitiveness, core competitiveness. At present, domestic and international theoretical research on financial competitiveness is still in its infancy, is lagging behind the development of practice, caused serious disconnection between theory and practice, which is a bad way to further enhance the financial competitiveness of commercial banks. Therefore, to promote the theory and empirical study on financial competitiveness is of great significance to improve the financial competitiveness of Chinese commercial banks.This article mainly research the financial competitiveness of China’s commercial banks from the theory and empirical of two aspects. Attempts at theoretical elaboration and the analysis to enrich the financial competitiveness theory, in empirical research is focused on scientific construction of the index system, data analysis is focus on combining the individual, the whole and the part to comprehensive analyze, try to analyze the scientific explanation of the empirical results, put forward constructive measures. In general, theoretical research by studying the theory elaboration and evaluation, to define financial competitiveness connotation and denotation on the basis of relationship in competitiveness, core competitiveness, financial competitiveness, and then improve the financial competitiveness theory; empirical analysis is based on the characteristics of the commercial banks in China, the 2012 British "banker" magazine evaluate the bank competitiveness in the world ranking 1000 within 104 commercial banks" in our country in 70 as the research object, constructing the scientific index system, using the method of factor analysis to comprehensive evaluate financial competitiveness of our country commercial bank, draw the corresponding conclusions, and puts forward relevant policy suggestions.