Research On Financial Services Competitiveness Of Domestic Commercial Banks

As the financial system continues to accelerate the process of market reform, financial market demand changes in driving strategic transformation of commercial banks, commercial banks increasingly fierce competition in the final analysis is based on customer-oriented differentiated financial services competition. How to improve the comprehensive competitiveness of financial services, not only is the need of reform and innovation of commercial banks, but also to meet the regulatory requirements of China Banking Regulatory Commission; Overall analysis and objective evaluation of the comprehensive competitiveness of commercial bank financial services in China, it is important theoretical significance and practical significance to improve the overall competitiveness of China’s commercial banks and promote the international strategic adjustment of China’s financial industry.In this paper, the financial services competitiveness of our domestic commercial banks as the research objects. this paper summarizes the competitiveness of commercial banks based on domestic and foreign literature, definition of commercial banking and financial services connotation, Analysis of commercial banking financial services and the evolution of factors. Find the problems of the commercial banking financial services. Development situation of commercial banking financial services, reference competitiveness of commercial banks the index system related, construction of commercial banking financial services competitiveness evaluation index system, selected 30 domestic commercial banks as samples, collects raw data in annual report of listed commercial banks, GTA database, Wind, Shanghai Stock Exchange, Shenzhen Stock Exchange site and Yahoo Finance, Empirical analysis using factor analysis and regression analysis, Get the main influence factors, problems. According to domestic commercial banks in the ranking of the competitiveness of the financial services, analysis domestic inter-bank and foreign banks, domestic banks lateral, longitudinal of their strengths and gaps, Finally, write the countermeasures of competitiveness of banking financial services.