Analysis On The Factors Influencing The Competitiveness Of Urban Commercial Banks In Beijing-Tianjin-Hebei Region

Urban commercial banks,as a special component of China's financial institutions,provide more possibilities for the development of China's banking industry.City commercial banks are mainly targeted at small and medium enterprises,it is to improve the level of local economic development,reduce the risk of financial institutions has a very important significance.The Beijing-Tianjin-Hebei region and the Yangtze River Delta and the Pearl River Delta are the three major economic development centers in China.The overall economic strength of the Beijing-Tianjin-Hebei region is relatively low compared to the other two regions.Since the integration of Beijing,Tianjin and Hebei,the financial industry in Beijing,Tianjin and Hebei has been accelerating,the strength of the financial industry has been increasing,and the scale of urban cornmercial banks has been expanding.The city commercial banks are banks that pave the way for the regional governments,The research on the related problems of the city commercial banks in Beijing,Tianjin and Hebei region will help to optimize the structure of the banking industry and promote the healthy and coordinated development of the economy in Beijing,Tianjin and Hebei.In the literature on the study of Beijing-Tianjin-Hebei region,there are few researches on urban commercial banks.The paper analyzes the influencing factors of the competitiveness level of the city commercial banks in Beijing,Tianjin and Hebei provinces,and divides the influencing factors into external influencing factors and internal influencing factors.The internal influencing factors are the influence on the profitability of banks,namely,the profitability of banks.The external factors are the influence of the general competitiveness of banks on the competitiveness score.The model is mainly fixed effect model and factor analysis model.This paper makes a comparative analysis of the factors influencing the competitiveness of urban commercial banks in the Yangtze River Delta and Pearl River Delta,and draws the relevant conclusions.From the conclusion,it can be seen that the competitiveness of urban commercial banks in Beijing,Tianjin and Hebei is lower than that in the Yangtze River Delta and Pearl River Delta,and the influencing factors of the competitiveness of urban commercial banks are also different.Among them,the internal influencing factors and external factors influencing the competitiveness of urban commercial banks in three regions are the proportion of net interest income,the proportion of loans to total assets,the ratio of cost to income and the ratio of local GDP and number of outlets;In the Yangtze River Delta and Pearl River Delta region,the influencing factors of the competitiveness of urban commercial banks,the Beijing-Tianjin-Hebei regional commercial banks,the competitiveness of the factors affecting the net interest income,local GDP,the number of outlets and local fiscal revenue and expenditure gap And the Yangtze River Delta,the Pearl River Delta region of urban commercial banks there are differences.Therefore,for the Beijing-Tianjin-Hebei region in terms of commercial banks,in order to improve their own level of competitiveness,the need to start from the city's commercial banks and government in two aspects.