The Research Of Competitiveness Evaluation On Commercial Bank In Our Country

Since finance has been of great importance in the modern market economy, its’size, efficiency, anti-risk ability of financial system have become significant factorswhich promote or restrain the development of a nation’s economy. As the core offinancial system, competitiveness of commercial banks, reflecting certain socialsystem, economic system, economic circumstance, cultural background, technicalconditions, social comprehensive development level, the survival, competition andsustainable development ability of commercial banks, becomes the focus of research.So what is the commercial bank competitiveness? Which factors are included? Howdo commercial banks maintain higher competitiveness in the market competition?And so on. Faced with these problems, it has been of extraordinary significance to putforward the main measures and strategies of promoting the core competitiveness ofcommercial banks in China, based on the objectively analysis of present situation ofcommercial banks’ core competitiveness in China.1. Beginning with the connotation analysis of commercial banks’competitiveness, the western theory of competitiveness and The Marx competencetheory are reviewed. Focusing on the difference and specific characteristics betweencompetitiveness of commercial banks and other organizations, this thesis analyzed thecompetence evolution process to set a foundation for further research.2.Through reviewing Chinese commercial bank development process, this thesisanalyses the institutional change of Chinese commercial bank operation mode, as wellas the reference analysis of foreign commercial bank competitiveness and theirsrationality and adaptability, thus summarizes the management of Chinese commercialbank competitiveness evolvement path.3. It mainly analyzed the influence dimensions of commercial banks, competitivepower in china from two aspects. Viewed from the inside, the strategy, culture, systemstructure and internal management of commercial banks determines the marketcompetitive to a great extent. From the exterior, environmental dimensions and riskcontrol even determines the external adaptability of the competitive power ofcommercial banks. On the basis of analysis, he reviewed the present situation ofcompetitive ability of commercial banks with grey relation analysis and systemclustering method and drawn relative conclusions.4. Using factor analysis, it explored the competitiveness of commercial banks inchina from the aspect of empirical analysis. It objectively measured the development situation of commercial banks, competitive power and provided ideas and basis forthe competitive of the commercial banks in the international financial situationthrough investigated and analyzed the factors of commercial banks in china, thesecurity ability, profitability and development ability.5.After get hold of the connotation of the competitiveness of the commercialbanks, understand the development history and know clearly of the influencedimensions of the competitiveness of the commercial banks and make clear the statusof development and problems of the competitiveness of the commercial banks inchina, this article analyzed how to enhance the competitive ability of commercialbanks from the aspects of system, culture and structure and improved the practicalityand applicability of the research.