A Research On The Calculation Of The Competitiveness Of RZ City Commercial Bank And Promotion Strategy

City commercial bank is developed from the former urban credited cooperatives and the former cooperatives banks. In the past, they had non-standard development and not strict regulation, which led to the lack of Standardized management and the establishment of modern enterprise system, most of them are small-sized,high-toxic,high-risk. After shareholding reformation, they gradually solve the above problems, and realize the interregional operation, the introduction of strategic investors, evens the listed successfully, which show the excellent development potential. However, the course of city commercial bank is still shorter than others in the whole banking industry. In the more and more competitive financial environment, How to improve their overall competitiveness, to achieve the healthy and sustainable development, is a question of city commercial Banks to be ending.In this paper, I Select RZ city commercial bank as the research object. Research idea begins with the research background, the relevant theoretical basis, the present situation analysis, the construction of evaluation system and the example calculation. This paper is started with the background of U.S. financial crisis and how to promote the city commercial bank’s competitiveness healthily and steadily. Overall the definition of competitiveness, measurement standard, and the latest financial ecological theory. And analyze the recent five years’ indicators, to show its overall situation and development trend. And then select 18 financial indexes, which belong to the following three aspects: profitability, safety, innovation and development, to construct the competitiveness measuring system of city commercial bank. With factor analysis method, I get the whole score ranking of the 10 commercial Banks.The results indicate that the eigenvalue of profitability factor and Security factor are the two most important factors, Which respectively represent assets quality management, such as ROA, ROE, and reflects a bank’s strategy accurate protection factor, such as the percentage of independent directors and external supervisors. It shows that on the evaluation of the current commercial bank competitiveness, safety and profitability are still the most important factors. Finally this paper proposes corresponding countermeasures to increase city commercial bank’s competitiveness: grasp the national macro economic and financial policy, strengthen the cooperation and win-win with local government, intensify the ownership restriction and supervision, keep a good profitability.