Research On Financial Competitiveness Of Banking Companies

In recent years,with the acceleration of the pace of global economic integration,financial reforms around the world are deepening,and the market competition of China's commercial banks is increasingly fierce,facing a series of opportunities and challenges.With the rapid development of Internet finance,the advantages of low cost,high efficiency and convenience of Internet finance have caused traditional commercial banks to suffer certain impacts.In addition,with the gradual advancement of interest rate liberalization,the competition of commercial banks has been intensified.Therefore,in an environment where market competition is becoming more and more fierce,China's commercial banks can only improve their operational efficiency,innovate products,improve risk management,and improve profitability through continuous reforms in order to improve their profitability in a complex market environment.To have a role to play.On the basis of combing the research status at home and abroad,this paper expounds the relevant theories of competitiveness,and takes the financial business of Bank A Branch of Xiamen Bank as an example,from the aspects of operation,market influence,basic framework of corporate financial business,business authority and process.Competing with the Xiamen Branch of the benchmarking construction bank of the same industry,on the basis of this,constructing the competitiveness evaluation index system from the three aspects of explicit competitiveness,invisible competitiveness and environmental competitiveness,to Xiamen Bank Branch of Bank A and Xiamen Construction Bank The competitiveness of the branch was evaluated.The empirical results show that the comprehensive evaluation score of Xiamen Bank A Bank is 3.324 points,and the Xiamen Branch of CCB is 4.347 points.Compared with the Xiamen Branch of CCB,the Xiamen Branch of Bank A is dominant in competitiveness.There is no small gap in the hidden competitiveness.Finally,combined with the status quo analysis and empirical results,the proposal to improve the competitiveness of Bank A Xiamen Branch is proposed.The research value of this paper is that through the research on the competitiveness of Bank A,we can further strengthen the understanding of A Bank Xiamen Branch on its own competitiveness,formulate development strategy for Bank A Branch in Xiamen,improve the management level,and provide decision-making reference.At the same time,it can also provide experience for the development of Bank A in other regions of China.