Research On The Competitiveness Of Listed Joint-stock Commercial Banks

The essay targets at researching and analyzing the competitiveness of the listed joint-stock commercial banks in China and giving some suggestion about how to improve and upgrade the competitiveness according to the relative results.First,the essay researches the classic theory about competitiveness and analyses the current situation of domestic and international researches.Then,the essay uses twelve financial indexes from year 2011 to 2015,based on the commercial banks' liquidity,safety,profitability,market share and innovation power.Next,it uses the mean of the statistic to conduct factor analysis and empirical analysis.The empirical results show that the first three competitive banks of these nine are respectively China Merchants Bank,Shanghai Pudong Development Bank and China Everbright Bank.In each aspect of factors,the essay has given the specific rank according to the empirical factors.All in all,every banks should make use of their own advantages and avoid their weakness.The essay gives three pieces of suggestion considering how to improve the competitiveness in the end.First,banks should enhance their own operational efficiency,lower the non-performing asset and unnecessary waste of operational cost in order to upgrade safety and generate more profits.Then,banks should more focus on innovation in business and technique aspect.Finally,in order to increase more market shares,banks should generate more suitable and targeted market position.