Study And Evaluation On Competitiveness Of Commercial Banks

The rapid development of the real economy is closely related to the credit and the virtual economy, especially the financial sector. Presently, financial reform that based on the interest rate liberalization deepens. Under the continuously deepening reform, financing channel is diversified. Also, original business model and profit level of commercial banks is facing enormous challenges. Simultaneously, the third party payment as representative's new on-line payment way directly impacting commercial banks marketing channel, customer group and the traditional service concept, which its operation environment is experiencing unprecedented historic changes. Influenced by strategic restructuring of the economy as well as further slowing growth, commercial banks of China are prompting more credit exposure and greater difficulty of management. Financial market environment and the deep reform of financial system will overturn the previous competition situation and operation principle, which will be a big challenge for the management and development of commercial banks. Therefore, this thesis does an objective, comprehensive and in-depth analysis on competitiveness of selected commercial banks to put forward some pertinent suggestions. Undoubtedly, it has important theoretical value and practical significance.In this thesis, a total of five chapters, the first based on the connotation of enterprise competitiveness, defined the basic connotation and the characteristic of the competitiveness of commercial banks, and analyzed the influence factors of competitiveness combining with our country commercial bank development course. Secondly, according to the basic principles of constructing index system, established the index system and the evaluation model. Thirdly, using empirical analysis method, the paper did an empirical test. This study divided the sample banks into three types: city commercial banks, joint-stock commercial banks and state-owned commercial banks. According to the relevant data from 2010-2014 of the 16 listed commercial banks, it generalized the trend and differences of core competence indicators by means of longitudinally comparative analysis. Using factor analysis and cluster analysis on selected banks, based on 26 competitiveness index, we got score rankings on F1- F7 common factors and comprehensive competitiveness rankings. The empirical results show that the state-owned commercial banks have absolute advantages on the operation scale, profitability and innovation ability, but the average growth rate is lower than the city commercial banks and joint-stock commercial banks. In terms of asset quality and risk counter ability, city commercial banks have a comparative advantage, better than joint-stock commercial banks and state-owned commercial banks. The top three of comprehensive competitiveness rankings are large state-owned commercial banks. Beijing Bank, Nanjing Bank, Ningbo Bank ranked above average. Shanghai Pudong Development Bank,Industrial Bank,China Merchants Bank ranked in the middle, while the vast majority of the joint-stock commercial bank are lowest ranked. On the whole, large state-owned commercial banks ranked higher than city commercial banks, besides, city commercial banks ranked higher than joint-stock commercial banks. According to the empirical results, it puts forward reasonable suggestions for commercial banks to promote the competitiveness of the commercial banks in China.