Research On The Core Competitiveness Of Small And Medium-sized Commercial Banks In China

In countries compared to the competitiveness of the country, is the core component of financial competitiveness, and the competitiveness of commercial Banks is an important part of financial competitiveness. As the authority on international competitiveness evaluation institutions of the world economy BBS and Swiss international institute of management development, respectively financial strength as a national competitiveness evaluation eight indexes of the third and fourth. Financial industry with its special nature and function, financing monetary fund, the allocation of social resources, to adjust the speed of a country's economic development, the scale and structure; Commercial bank is the main body of the financial sector, is to build a country's entire financial system, to enhance the competitiveness of a country's financial important channel. So, cultivating and improving the core competitiveness of commercial Banks for the long-term steady development of our country and realize the great Chinese dream is of great significance.In our country's banking system, the rapid rise of small and medium-sized commercial Banks, become indispensable to support local economic development, but small and medium-sized commercial Banks and has its own particularity, such as:small asset scale, asset scale expanding rapidly, limited capital supplement, historical burden is lighter, serious polarization, imperfect corporate governance, the management system of the flexible, fast development and so on. In capital source, state support, information technology, talent introduction, geographical breadth hardware aspects, such as difficult to compete with large state-owned holding bank; In management system of the integrity of the market, the range of capacity, innovative financial products, weight-bearing and software aspects of external risk is also at a disadvantage; So, small and medium-sized commercial Banks in a large state-owned Banks, rural Banks and rural credit cooperatives under severe environment to survive, to keep a sense of crisis and urgency, and play their own core competitiveness as a development to the expansion of first, continually improve professionalism, increase product development, the innovation of financial services, expanding profit channel, low capital consumption path. Such as China merchants bank, the separation of ownership and managerial authority, from the start early to set up the board of directors and board of supervisors and management team have a clear division of responsibilities, the modern corporate governance structure of checks and balances; Bank of Beijing long-term commitment to build "financial" science and technology, financial "culture", "green finance" brand characteristic such as business, won the market widely recognized; Minsheng bank to layout the Internet finance, February 28, 2014, officially launched direct bank, adhering to the "simple bank" service concept; Bank of nanjing "small and medium-sized commercial Banks in the first-class comprehensive financial service providers" as a strategic vision.Small and medium-sized commercial Banks to provide capital sources for local economic development, the core competitiveness of high and low will contribute to the economic growth and quality of a direct or indirect impact, core competence theory in general enterprises more, the theory and practice are relatively mature, but involves the theory of core competence of small and medium-sized commercial Banks. In this paper, on the basis of predecessors research results for reference, mainly for small and medium-sized commercial Banks core competitiveness formed by what way, the factors that make up the core competitiveness of small and medium-sized commercial Banks play a leading role in the what, how to get breakthrough development in the dominant factor, and then find foster, maintain, play, the method of enhancing the core competitiveness of small and medium-sized commercial Banks.First of all, in this paper, the our country has carried on the induction summary of economic and financial policy in 2015, and analyses the influence of the likely impact of small and medium-sized commercial Banks, such as the double-edged sword role of deposit insurance system, interest rate marketization; Pratt & whitney financial policy good brought by the development goals and direction; Access to the private bank bring greater competition and so on. Under the background of reforms, especially to speed up financial reform, China's financial industry will enter a cross-industry, across the market, multinational degree is the new stage of the competition, only by understanding the future development of China's economic and financial trend, follow the guiding direction of national policy, small and medium-sized commercial Banks can not go astray in the future development of; Through in-depth study policy document, find and cultivate the core competitiveness of small and medium-sized commercial Banks lighthouse guides.Second, from the core competitiveness of category, dimensions, general and special, combed the domestic and foreign to the study of the theory of the core competitiveness of small and medium-sized commercial Banks and important results, first comprehensive expounds the concept and category of small and medium-sized commercial Banks in this paper, the role of small and medium-sized commercial Banks in our country's banking system, the present situation and future development trend. Then along the competitiveness to core competitiveness, core competitiveness of commercial Banks and small and medium-sized commercial Banks core competitiveness analysis logical analysis layer by layer, and further pointed out in this paper, the understanding of the core competitiveness of small and medium-sized commercial Banks:small and medium commercial bank core competence is to point to in its management category, can bring the profit even is the key elements of the excess profit, the lack of the elements will not be able to achieve profitability before, has its unique characteristics, and the key elements in the short term shall not be reproduced, can be long-term development; Key elements can be hardware can also be a software, can be a tangible assets can also be intangible assets, can be a financial index can also be a talent pool, and so on.Again, from the viewpoints of both quantitative and qualitative, respectively specific analysis the influence factors of the core competitiveness of small and medium-sized commercial Banks. In quantitative analysis, through the factor analysis and principal component analysis (pca), find out the five key factors, through a detailed comparative analysis of each factor score the top three samples of the object, to find their comparative advantage at the top of the key factor, so as to find a way to enhance the competitiveness of their corresponding factors. In the final composite scores ranking, this paper found that the ranking results and the reality gap, and influence the core competitiveness of besides quantitative indicators, and qualitative factors, and put forward the qualitative factors than quantitative factors. In this paper, on the basis of predecessors research, summarizes the key factors may become the core competitiveness of a few aspects: financial innovation, product strategy, human resources, enterprise culture, organization optimization, the financial ecology. In these factors, this paper argues that enterprise culture is the core competitiveness of small and medium-sized commercial Banks has become the only important guarantee, and material resources will be exhausted, only culture can, a first-class enterprise, we can not live without culture, only culture to support its sustainable development.Finally, to cultivate and enhance the core competitiveness of China's small and medium-sized commercial Banks put forward some own views. Points out that the bank manager is all the source of core competence, as the bank's senior managers, need to constantly improve their professional accomplishment, double comprehensive quality in an all-round way, improve the knowledge structure, continuous learning; Top management should actively explore, in particular, due to potential changes, due to the circumstances, timely change the management idea, to grasp in the rapidly changing situation never change way of foundation; In addition, due to differences in regional economic development in our country, small and medium-sized commercial Banks to adjust measures to local conditions, according to its characteristics of regional development, financial innovation, service innovation, time to meet customer demand as own duty, to make a personalized, characteristic.However, due to the lack of theoretical knowledge and practical experience, there must be many problems and deficiencies in this paper, on the core competitiveness of small and medium-sized commercial Banks and there are many problems which need to be further research:First, the influence of the core competitiveness of small and medium-sized commercial Banks, there are many factors that can influence in quantitative analysis, this paper only five key factors are extracted as the comparative analysis of object, can also be further data collection, increase the key factors, affecting the small and medium-sized commercial Banks to complete the core competitiveness of the quantitative indicators for analysis. Second human resources, the quality of employees, culture constitutes if able to do the accuracy of the quantitative analysis of the possible outcome will be higher, but as the research object of this paper is mostly not listed on the small and medium-sized commercial Banks, the data is not complete, difficult to quantify, later can further supplement data with other resources, improve the accuracy. Third, due to some small and medium-sized commercial Banks some years missing data, this article only for small and medium-sized commercial Banks in 2014, factor analysis, the data of historical comparison, may be the results of the analysis has certain stages, later can increase, the comparative analysis between the year find trajectory, to absorb the experience from it. Fourth, now financial market in China has a comprehensive opening to the outside world, domestic small and medium-sized commercial Banks and foreign Banks are on the same platform competition, foreign capital bank should take the selection of sample object into account, so can more accurately determine the core competitiveness of small and medium-sized commercial Banks in our country the status quo, evaluation conclusion will be more in line with the actual. But because of foreign Banks fetching data, there are some difficulties in the empirical only selected for the comparison object, standard chartered (China) comparison results may not be comprehensive enough, later can use some foreign books and websites to further gather relevant data, foreign small and medium-sized commercial Banks to improve the core competitiveness of small and medium-sized commercial Banks in China to provide more instructive conclusions.Research of this paper is just some ideas are presented with the theory and data, due to the complexity and difficulty of China's banking reform, coupled with the special features of the small and medium-sized commercial Banks, given their knowledge level, in this paper, the errors and omissions is inevitable. I will be in the future work and study, on the core competitiveness of small and medium-sized commercial Banks subject with my teacher, predecessors, and banking of general practitioners, colleagues, classmates, friends, learn from each other exchange, schools of thought contend. Thank you for your review and defense experts comment!...