Research On Competitive Strategy Evaluation System Of Domestic Commercial Bank Finance Innovation Force

In twenty-first Century with the arrival of the era of knowledge economy,profound changes have taken place in domestic banking business environment.Foreign banks to enter the domestic market, launched a comprehensive competition with domestic commercial banks. Domestic commercial banks to maintain long-term competitive advantage, we must set up a strategic competence oriented management concept, make the development strategy to promote the financial innovation as the core, in order to obtain sustainable development power. By comparison, the experience of foreign commercial banks in the field of financial innovation is more abundant, the use of financial innovation brings the advantage of products and services to provide a unique product or service for the market, further beyond the domestic market competitiveness of commercial banks. Therefore, to enhance the capacity of financial innovation is the fundamental way to enhance the strategic competitiveness of Chinese commercial banks, is the objective requirement of the development of China’s commercial banking industry reform today, is the commercial banks to avoid risks, to cope with the international challenges, the inevitable choice to promote the scientific development of the Bank industry.In this paper, based on elaborating the strategic competitiveness and financial innovation on the theory, five dimensions of strategic competitiveness from the perspective of financial innovation of commercial banks in China based on financial institutions, namely the ability of financial governance, the level of technological innovation capacity, human resources, financial innovation and financial risk control ability and financial products and services innovation the governance capability,innovation capacity is based, technology is a tool, the human resources management innovation capacity is the means, the risk control ability who necessary conditions,product and service innovation capacity is the ultimate goal, put forward to build the amount of innovation of China’s commercial banks strategic competitiveness evaluation system based on the principle of system construction and. At the same time,with the relevant data of listed in 2013 China’s 16 commercial banks as the sample,using the analytic hierarchy process were evaluated and compared, on the financial innovative results show that, the financial innovation capacity of state-owned l banks is generally higher than joint-stock and city commercial banks, the top three for the state-owned banks, ICBC, the Bank of China, China Construction Bank, financialinnovation capacity difference of joint-stock commercial banks is large, including China Merchants Bank financial innovation is the most outstanding, financial innovation capacity of city commercial banks generally perform weak, mainly because of its development started relatively late, many associated with the innovation of business is not mature, also is still in the stage of development. To this, we have the necessary financial innovation concept, from set up the correct upgrade financial technology support ability, strengthen personnel training, innovation of commercial banks to establish and perfect the financial risk control mechanism, realizing the innovation of financial products and services and other aspects of enhancing commercial banks strategy competition.