A Positive-Analysis Of Staete-owned Commerial Bank's Efficiency And Competitiveness From Economic Approach

The state-owned commercial bank, as the main body of our country's banking industry, is presently facing the dual pressure, namely, the three reforms goals of state-owned banks in 2006, as well as the comprehensive enters of foreign banking industry in 2006 under WTO rule. To improve the efficiency and competitiveness of state-owned commercial banks is an important practical problem which is vital to the healthy development of China's banking sector and the efficient functioning of the entire financial system. In view of the confusion in the current theoretical and methodological study on the competitiveness of commercial banks, this article attempts to use the economic methodology and economic judgment of competitiveness to positively analyze the state-owned commercial bank's efficiency and competitiveness.Firstly, in the theoretical positive-analysis aspect, through the review of competitiveness research in history and general theory, it points out that the competitiveness is mainly an economic question, but still many disputes arise in its theoretical paradigm, research methods and its union with mainstream economic theories. Economics approach of competitiveness studies is in the initial stage, which focuses on searching a foundation for its micro-economics, and the industrial organization theory is currently the most important theoretical basis. Because the study of commercial banks' competitiveness lacks a uniformity of economic research norms, and the study of banking itself is trying to integrate into the mainstream economics, the existing commercial bank's competitiveness researches are contradictory with each other in their conclusions. In view of this situation, this article, on the basis of modern economics framework proposed by Qian Yingyi, proposes an economic analysis frame to the commercial bank competitiveness study, and discusses the uniqueness of the competitiveness of state-owned commercial banks, namely its dependency on historical factors. In this research framework, the paper believes that the economic evaluation criteria of competitiveness are "efficiency...