Design Of Competitiveness Evaluation Index System Of City Commercial Banks And Improvement Measures

With the rapid development of global economy,the financial industry has occupied an important position in the whole national economy.Since the establishment of the first urban commercial bank in China,the development of urban commercial bank has gone through more than 20 years,with increasing market share and increasing comprehensive competitive strength.Now it has become an important part of China's banking system.However,since the financial crisis,the downward pressure on China's economy has gradually increased.At the same time,more and more foreign banks have entered China's market,and Internet finance is developing like a raging fire.All these have intensified the fierce competition in the whole banking industry.Compared with other large and medium-sized banks,city commercial banks have only geographical advantages and their competitiveness is relatively inadequate.Therefore,faced with such a fierce external environment and the dual pressure of their own reform,improving the competitiveness of city commercial Banks has become an urgent task for the healthy development of China's banking industry.Compared with large-scale joint-stock commercial banks,there is a specific gap between China's city commercial banks in terms of scale and brand influence,especially the serious credit risk problems exposed by city commercial banks such as Baoshang Bank and Evergrowing Bank this year.It reflects while the city commercial bank is developing rapidly,it must pay more attention to its safe and stable sustainable development capability.In order to improve its competitiveness,it is necessary to follow the three principles of "safety,liquidity and profitability" to achieve long-term sustainable development.Secondly,city commercial Banks should abandon the habit of copying the business model of large Banks,and strengthen the double innovation of financial services and financial products to realize and create diversified demands of customers.Then,based on its own advantages,under the circumstance of controllable risks,we should strengthen the service of small,medium and micro-sized enterprises and expand their advantages,so as to improve the market viscosity and market share.Finally,we should learn from the advanced management experience at home and abroad,increase the intensity of introducing professional talents,rational staffing and division of labor,improve staff efficiency and productivity,and optimize human resource management capabilities to promote the sound development of city commercial banks.This paper analyzed about the present situation of China's city commercial banks competitiveness,and selected 19 listed city commercial banks and 1 wuhan local city commercial bank as sample banks.It selected 19 most representative indexes from the aspects of profitability,safety,liquidity,development ability,actual scale and human resources,and constructed the corresponding competitiveness evaluation index system of city commercial banks.The SPSS software was used to analyze the sample banks,and finally the comprehensive scores of each city commercial bank were determined,and the competitiveness rankings of each bank were determined and the corresponding empirical analysis was carried out.Then this paper analyze the advantage of the top scores in the sample bank and how to improve its competitiveness after the ranking.The conclusions of this paper can provide certain theoretical support for the improvement of the competitiveness of city commercial banks,and have certain reference for their management and development.