Based On The Three-dimensional View Of Commercial Bank Competitiveness Research

Finance is the core of modern economy. In today's world, no strong financial competitive advantage, is impossible to become economic power. And commercial Banks in leading position in the financial system, commercial Banks relates to the overall competitiveness of national economy with the nation's international status. Since the reform and open policy, our country commercial bank competitive even though there is a great improvement, but with foreign commercial bank the requirements of the development of national economy, compared to still have obvious difference. Agriculture, countryside and farmers always is the party and national top priority of all our work, agriculture bank should not only to implement state strategy, and earnestly shoulder service "three agriculture", and the historical mission of commercial Banks should follow the internal law, conform with the banking industry and the social demands the newest development changes, financial market competition in globalization. Domestic and foreign scholars of competitiveness for commercial Banks to consider the existing research, more commercial Banks internal factors or quality factors of internal factors and external environment with little interaction, rarely even ignoring the competitive speed factors, exist pertinence, systemic enough limitations. According to the complex adaptive system theory, commercial Banks competitiveness depends not only on the inner strength, but by financial ecological influences significantly and used for financial ecological. The essence of commercial bank competitiveness is through its perception and response to environmental, configuration and integration of resources, create and apply knowledge to the higher levels of silmultaneous spiral, in achieving their sustainable development ability. But competition dynamics theory argues that enterprise competitive advantage is the quality and by the enterprise competitive speed to decide. Especially financial products imitate lower costs, almost no barriers to entry, speed factors on commercial Banks competitiveness is particularly important. In this context, with the complex adaptive system theory, competitive dynamics theory, based, a systematic analysis method, from 3d model (resources dimension, speed dimension, ecological maintenance), five competitive forces connotation (decision making, innovation and learning capability, execution and brand) and five sex results (safety, liquidity and profitability, scale, growth) from a new Angle of agricultural bank, with in-depth for empirical research, the commercial bank has positive competitiveness of theoretical and practical significance. In this paper the complex adaptive system theory, competitive dynamics theory, based, a systematic analysis method, from 3d model (resources dimension, speed dimension, ecological maintenance), five competitive forces connotation (decision making, innovation and learning capability, execution and brand) and five sex results (safety, liquidity and profitability, scale, growth) from a new Angle of competitiveness of commercial Banks, theoretical analysis and empirical research. My research thought and main content as follows:First, the theoretical framework. The existing research results in reference, the introduction of related research based on the concept of constructing the theoretical framework of this study:one is the commercial Banks competitiveness 3-dimensional model building. Overall internal and external causes, quality and speed, process and result from the aspects of resources, speed and ecological building three-dimensional view of commercial bank competitiveness research model of commercial Banks, so as to make new generation of competitiveness path exploration.2 it is commercial bank core competitiveness. Five connotation Mainly based on the commercial Banks as a financial enterprise its product not patent application, and replicatorshave depend on lower cost and better service win over innovators, and puts forward the special properties of commercial bank can reaction core competitiveness value superiority, difficult to mimetism characteristics of the cultural, and is only from decision making, innovation and learning capability, execution and brand connotation of this new Angle five core competitiveness to commercial Banks strength have been studied. Three is commercial bank competitiveness evaluation system. Insist on systemic and hierarchy, combining qualitative evaluation and quantitative evaluation principles, through such as combination of 3d model, five competitive forces connotation and five sex results three sons system construction commercial Banks competitiveness evaluation system of commercial Banks, forming process and results of competitiveness performance to evaluate and mutual verification. The forming process of the main evaluation 3d model of resources integration ability, rapid response capability, eco-friendly ability and five competitive forces connotation decision making, innovation and learning capability, execution and brand, the results show major evaluation result under five sex of safety, liquidity and profitability, scale, growth. Second, empirical research. In view of agricultural bank shoulder service "three agriculture", this paper the great mission of agricultural bank as empirical research selected object, application literature reading, participatory survey analysis, descriptive statistic analysis, hierarchical analysis method, so as to comparable good four state-owned commercial Banks as sample bank, through the commercial Banks competitiveness of 3d model evaluation system, commercial bank core competitiveness five competitive forces connotation and evaluation system, and commercial Banks competitiveness evaluation index system, five sex results of agricultural bank competitiveness comprehensive and objective comparative analysis.Third, policy recommendations:China does not lack a listing of the large state-owned Banks, more need a effectively serve the rural financial commercial organization, the main value of agricultural bank of "agriculture, countryside and farmers" is to serve in a particular field, "struggle first-class" should become the core competitiveness of agricultural bank thoughts. Improving agricultural bank competitiveness should fully exert comparative advantage, face "three agriculture" equal justice, do the Banks; And to prevent fall into the comparative advantage trap ", service city, the development of bank; do differences Layout of global, do looking at the world bank, out of a both to ensure that "SAN nong" function and in conformity with the win-win business sustainable development model road.