Study On Competition Capacity Of China's State-Owned Commercial Banks

The finance in international and the various countries' economy development is playing important role, the finance industry is the modern economy development core, must enhance the economic system the competitive ability to have first to enhance the finance industry competitive ability.The state-owned commercial banks in China's financial industry occupies a pivotal position. But, the state-owned commercial bank's scale although very big, the profit share very is actually small, the scale is uneconomical, the competitive power is not strong. Faced with strong international competition of large banks, in order to stabilize the financial system and national economy, must speed up the upgrading of the state-owned commercial banks more competitive.This article proposed the state-owned commercial banks evaluation of the market competitiveness of the basic framework of the system, has carried on the comparison with the domestic and foreign commercial banks competitive ability target.According to the actual situation of China's banking sector, using commercial banks competitiveness index system of the four major state-owned commercial banks to carry out an empirical analysis, and Chinese joint-stock commercial banks and foreign banks of the market competitiveness of the comparison, the objective evaluation and has analyzed the state-owned commercial bank's competitive power, proposed the state-owned commercial bank speeds up promotes the market competitive power the main way and the countermeasure measure.Namely must accelerate the adoption of the modern enterprise system in accordance with the requirements of the reform of state-owned commercial banks the property rights system and to raise the capital adequacy ratio. establish a scientific system of risk management, financial innovation and international operations, and improve the overall quality of the staff, building outstanding finance enterprise culture and other financial means and measures to comprehensively improve the four major state-owned commercial banks market competitive power.