Study On The Coimpetitveness Of Chinese Comercial Banks

Finance is the core of modern economy, and the banking industry is the basic industry of finance. At present, china's commercial banks are in face of financial globalization and the entry of a mass of international banks. If we can't take effective measures to enhance the competitiveness of China's banks, there may be some serious problems that go against the finance stabilization and economic development.There are a few works about the competitiveness of Chinese commercial banks and is lack of academic support on domestic competitiveness research. Accordingly, on the basis of the analysis of the market structure in China, the rampart for foreign and other banks, competition condition along with the status in the world, the paper studies the competitiveness of Chinese commercial banks through the comparison between state-owned and joint-stock banks as well as foreign commercial banks by the analytic means of Development Economics, system Economics and Industry Economics. Moreover, using foreign successful experience for reference, we put forward effective measures to advance the competitiveness. Hereby, this paper includes three parts that are divided seven chapters.The first part, namely, chapter one, is the foundation of the study. The chapter one introduces the background, purpose and meanings, the train of thought and ways of writing, as well as the innovation points; it tracks and describes the newest research fruit about the competitiveness of commercial banks, defines the connotation of it and conforms the study object of the paper.The second part includes the chapters from two to four, which construes Chinese banks' competitiveness using the cases and data. The chapter two analyzes the market structure in China, the rampart for foreign and other banks, competition condition and the status in the world, which is a flat for later analysis and the paper; chapter three designs the index system and introduces the theory of quantitative analysis and the analysis process; based on the chapter three, the chapter four has taken the quantitative analysis on the competitiveness of the native and foreign commercial banks.The chapters from five to seven make of the last part, which content is about bringing forward several measures to enhance the competitiveness of Chinese commercial banks on the basis of foregoing two parts. The chapter five analyzes the course of system-finance risk that is touched upon in chapter two, and puts forward some measures to promote the financial conditions and banks' competitiveness from the angle of keeping away risk; the chapter six brings forward a number of methods to advance Chinese financial supervision system by the description on the development tide of international financial intendance; the last chapteremphasizes the importance of financial innovation from mid-operation, e-bank and marketing. Conclusion: 1. commercial bank's competitiveness is the capability that commercial banks participate in market contention by right of respective predominance for own benefits. The commercial bank's competitiveness is incarnated by the capability of cleanup, the fluidity and security of bankroll, the validity of financial supervision as well as banks' innovative capability; 2. Chinese commercial banks that are in the green tree on several indexes are yet behind foreign banks on synthetical competitiveness because of poor capability of cleanup. Without political burden, joint-stock banks, especially those that come into the market are better than state-owned banks because of better mechanism. We should bring forward feasible measures to enhance the competitiveness of Chinese commercial banks from the angle of keeping away system-finance risk, perfecting financial supervision and quickening financial innovation.