City Commercial Bank Competitiveness Evaluation Research Based On The AHP

City commercial bank in China's banking system is an important force in the third echelons of the Chinese banking system, especially the particularity in this paper according to the predecessor's research achievements redefines the connotation of city commercial bank's competitiveness, this paper studied the city commercial bank competitiveness of impact factors, through comparing the AHP method selected six representative the competitiveness of the city commercial banks, we find out the deficiency of city commercial bank competitiveness of various points, and insufficient point puts forward related suggestions.Based on the characteristics of city commercial bank city commercial bank's competitive connotation, city commercial Banks set the evaluation index system of competitiveness. In this paper the author make city commercial bank competitiveness index system is divided into safety, liquidity, profit ability, innovation ability from the four aspects of the index. Make safety index set to bad loans, core capital adequacy ratio, loan structure (the largest single customer loan ratio and maximum 10 customer loan ratio) four aspects the index, index fluidity and loan ratio, the settings for two ways of liquidity ratio index, make profitability index set to profit rate of assets and capital profitability, profit growth, interest recovery from the four aspects of the index, make innovation ability index set to non-traditional business education levels than, staff of two ways of index.In this paper, we select the typical six banks: Beijing bank, Nanjing bank, Ningbo bank, Hangzhou bank, Agricultural Bank of China, China merchants bank as comparing representative. According to each bank in 2009, annual data of analytic hierarchy process (ahp) each city business competitiveness analyze and evaluate the six house representative bank, it is concluded that the competitiveness competitiveness rankings. comparative analysis of the six banks competitiveness, found after city commercial banks insufficient reason is: competitiveness of corporate governance institutions are not perfect, internal evaluation system up, no system can not effectively motivate employees; city commercial bank external funding channels, resulting in lack liquidity shortage; city commercial bank loans structure is too centralized and decentralized management risk; unfavorable to city commercial banks in accurate positioning itself and innovate with your own characteristics need improvement. According to this paper the empirical study in city commercial bank comprehensive analysis of the results, this paper puts forward ascending city commercial bank competitive strategies: improve the urban commercial banks internal governance structure, forms the system's internal evaluation system. The sound urban commercial banks internal and external additional funding channels, change city commercial bank loans structure, reduce the management risk of city commercial bank. Urban commercial banks do not meet certain scale, should be accurate positioning himself before the position in the market, with a foothold, try to small and medium enterprises and individuals for clients, and combining with the construction of innovation system of its own situation, compensate for lack of characteristic innovation.