Financial Perspective-based Research On Core Competitiveness Of Rural Commercial Banks In Guizhou Province

Core competitiveness directly influences the whole enterprise sustainable competitive advantage and the strength of the enterprise competitiveness,bank as a kind of special enterprise,the level of its own core competitive ability directly decides the Banks in the financial system,the status and value to this,the bank should be how to improve the core competitiveness of self become one of the biggest problems of the present banking industry needs to solve.After in-depth and comprehensive investigation and analysis on this issue,domestic researchers have successively focused on how to maximize the intelligence of Banks and how to strengthen the core competitiveness of Banks in the financial market.Compared with economically developed regions,the financial industry in guizhou started relatively late.Since the reform and opening up 40 years ago,with the implementation of reform measures such as interest rate liberalization and financial liberalization,major commercial Banks,joint-stock Banks and regional Banks have continuously entered the financial market of guizhou,and the financial industry in guizhou has developed rapidly.As the bank with the longest history and the largest development scale in the banking industry of guizhou,the rural and commercial bank of guizhou is the research object of this paper,which has certain research significance.This paper analyzes and studies the core competitiveness of guizhou rural and commercial Banks from the perspective of finance.In theory,domestic and foreign researches on the core competitiveness of Banks based on financial perspective have not formed a scientific and complete system.But in practice,the core competitiveness of finance has already become the focus of the banking industry.This paper focuses on the main line of core competitiveness of guizhou rural and commercial Banks from a financial perspective,and USES factor analysis method to preliminarily describe the factors influencing the core competitiveness of guizhou rural and commercial Banks from a financial perspective.This paper selects the financial data of nine representative Banks in guizhou as samples,conducts empirical analysis on the financial competitiveness of these Banks,with the purpose of comparative analysis on the strength and weakness of their financial competitiveness.Based on the analysis results,this paper compares the profitability,safety,liquidity and issuing capacity of guizhou rural commercial bank with other Banks in the province,and summarizes the influence ofvarious influencing factors.By comparing the comprehensive competitiveness score ranking of guizhou rural and commercial bank with that of other Banks,the gap between Banks was clarified,the reasons for the gap were analyzed,and the countermeasures were put forward.This paper summarizes the deficiencies of guizhou rural commercial bank in financial strategy and management,and finally puts forward some Suggestions from the financial perspective to enhance the core competitiveness of guizhou rural commercial bank.