Study On The Competitiveness Of Chinese Commercial Banks

In China,the banking is the main source of funds for Chinese economic development.With China’s economy is getting into the new normal,the steady development of the banking affects the quality of economic development,commercial banks should make use of financing function to improve the quality of economic development and to promote supply-side structural reform.In recent years,in the context of the slowdown in national economic growth,the adjustment of regulatory policies,the rapid development of Internet finance,and the country’s efforts in opening up the financial industry,China’s commerc ial banks have to face not only domestic competition,but also foreign banks.Therefore,facing increasingly fierce market competition,it is extremely important to improve the competitiveness of China’s commercial banks.The analysis of the competitiveness of commercial banks is of great research value and practical significance to improve the competitiveness of banks and promote the healthy development of the banking industry.The analysis of the competitiveness of commercial banks is of great research va lue and practical significance to improve the competitiveness of banks and promote the healthy development of the banking industry.Firstly,this thesis expounded its research background,and summarized some studies of commercial banks’ competitiveness at home and abroad.And the influencing factors of comprehensive competitiveness are analyzed.In general,corporate competitiveness includes many aspects,such as resources,market structure,capabilities.Secondly,on the basis of theoretical analysis,this thesis argues from the perspective of competence that the competitiveness of commercial banks is divided into reality competitiveness and potential competitiveness.And analyze the potential competitiveness of commercial banks from four aspects,such as corporate governance,human resources and brand influence.The components of commercial bank reality competitiveness include the capability of security profitability,liquidity,security,expansibility and innovation.Based on this,the model is built to empirically analyze the competitiveness of banks.This thesis selected 24 listed commercial banks as samples,which includes 5 state-owned commercial banks,8 joint-stock commercial banks and 11 local commercial banks,and 14 indexes reflecting the capability of security,profitability,liquidity,expansibility and innovation of commercial banks,such as return on equity,liquidity ratio,non-performing loan ratio.Using the data from 2015 to 2017,this thesis makes an empirical analysis of the competitiveness of commercial banks by factor analysis method.The empirical results show that,there is no strong positive correlation between the size of commercial banks and their comprehensive competitiveness,the competitiveness of Joint-stock banks is better than that of other banks.State-owned banks have occupied a large amount of resources but have not played their due advantages.In terms of the importance of factors of commercial banks,the capability expansibility,innovation and security have a greater influence on the competitiveness of commercial banks,the total variance explained of these two factors exceeds 60%.And the capability of profitability and liquidity have relatively little influence on the competitiveness of commercial banks.State-owned commercial banks perform best in profitability.Joint-stock banks perform best in terms of innovation capability factors.Local banks have large differences in liquidity factors,safety and development capability factors.Finally,after analyzing the empirical results,this thesis gives some suggestions to improve the competitiveness of commercial banks.