Study Of The Competitiveness Of Chinese Joint-stock Commercial Banks

With the open and deregulation of Chinese financial market, in accordance with the timetable admitted by china when entering WTO, foreign banks are making sufficient preparations in institutions and business locations. The inherent advantages of foreign banks will become more and more obvious, while Chinese joint-stock commercial banks have no advantage in innovations. Joint-stock commercial banks should have clear understanding of this and carry out strategic restructuring as soon as possible; otherwise they will miss the precious development opportunities. Especially the reform of state-owned commercial banks is on the way, which needs to learn from the reform practices of joint-stock commercial banks. Therefore, the research on competitive edge of Chinese joint-stock commercial banks has theoretical and practical significance.This paper does some research on the competitive edge of Chinese joint-stock commercial banks from the following aspects: firstly, the general research on competitive edge of commercial banks; secondly, the special research on competitive edge of Chinese joint-stock commercial banks; thirdly, empirical research on competitive edge of Chinese joint-stock commercial banks; fourthly, way of improvement on competitive edge of Chinese joint-stock commercial banks; finally, the necessary choice of state-owned commercial banks.Chapter 2 analyses the competitive edge of commercial banks, which serves as the basis for the following research on joint-stock commercial banks. Three questions are discussed in this chapter: concept and definition of corporate competitive edge; concept and definition of commercial banks'competitive edge; combining operation trend of world commercial banks and change of competitive edge.Chapter 3 discusses the competitive edge of Chinese joint-stock...