Evaluation And Analysis About The Competitiveness Of Chongqing Rural Commercial Bank

Today,under the background of economic globalization,the international financial situation is unpredictable,very serious.Deepen the reform of economy system,the economic situation in the whole stable but growth is slowing,the financial sector received affected firstly,and commercial Banks is accelerating into full of opportunities and challenges of the new normal.Competitiveness is an important foundation for sustainable development of enterprises.Appraising the evaluation of enterprise competitiveness objectively,improving the competitive advantage,reducing the weak influence of competition,can keep the enterprise standing in the fierce competition trend.Commercial Banks as a special industry,their competitiveness can reflect its influence in the commercial banking system and the future development trend.So commercial Banks should face to the reality,start from their own,to discover its own competitive advantage,foster strengths and circumvent weaknesses scientifically,adapt to the development trend of commercial banking,strive to win in the stabilisation.So this research of competitiveness evaluation system has extremely important practical significance.Chongqing Rural Commercial Bank especially has a quite important in rural financial market position in the whole financial system in Chongqing and its main business indicators are among the best in the industry of our country,as one of the most advanced in 500 Chinese enterprises,one of the toppest 500 global commercial bank,is becoming an example of the domestic rural commercial banks.However,with the history of rural credit cooperatives,ChongQing Rural Commercial Bank is facing various restrictions on development,such as assets and resources,talents,system,process,and so on,making the pace of transformation greatly behind of the large state-owned commercial banks and joint-stock commercial banks in our country.Moreover,in recent years,rural finance gradually radiants huge development potential,many large state-owned commercial banks and joint-stock commercial banks crawled on this "cake",ChongQing Rural Commercial Bank is facing unprecedented opportunities and challenges,so appraising and improving its competitiveness,meeting the challenge,it is urgent.This paper designs the competitiveness evaluation system of commercial banks.Basing on hierarchy analysis method(AHP),expert evaluation method,comparative analysis and other scientific methods,using the specific indicators related to liquidity,risk control ability,profitability,corporate governance,the future development,financial innovation ability,management ability and so on,analysing Chongqing Rural Commercial Bank in multi-level with advantage and disadvantage in competition of other 9 listed commercial Banks.According to the result of the analysis of competitiveness,this paper puts forward some suggestions to the development of Chongqing Rural Commercial Bank,can stable the business operation itself,and even can keep the economic booming andthe social stable in ChongQing.On the whole,this research has the very strong theory significance and reality guiding sense for commercial banks and financial institutions on reformation.