The Analysis On The Competitive Environment Of China's State-owned Commercial Banks

China's state-owned commercial banks face with fierce competition both in domestic and overseas markets. In domestic, many new joint-stock commercial banks appeared during mid-1980s. Most of these banks have advanced management ideas and philosophy, strong financial ability to innovate, and could develop clear market orientation which suits for the development of themselves. Therefore, it's easy for them to promote characteristic intermediate business, which seizes control of state-owned commercial banks'original share in the market. Internationally, as the restrictions on the kinds of business and choice of regional are abolished step by step, foreign banks expand the business scale with obviously competitive advantage, which constitute a certain treat on state-owned commercial banks. At the same time, as the role of government changes and economic reform deepens, the country's financial policy will be much fair, not to bias state-owned commercial banks. All of these bring great changes to the competitive environment of state-owned commercial banks.Firstly, this paper analyzes the state-owned commercial banks'competitive position and both advantages and disadvantages which they have. Secondly, in the view of both macroeconomic and microeconomic point, this paper analyzes the changes of competitive environment which state-owned commercial banks have to face with, after China's financial markets completely opened. Thirdly, on the basis of analysis above, this paper builds a state-owned commercial banks'competitive environment evaluation system. This paper divides the competitive environment of state-owned commercial banks into five factors, including society environment, economic environment, policy and law environment, technology environment and ability of competition, and then divides the five factors again. Fourthly, we carry on the empirical analysis on state-owned commercial banks in Qingdao. We get the overall score of the competitive environment of state-owned commercial banks in Qingdao, through experts'survey, and then evaluate the analysis of the result. Lastly, this paper proposes many policy suggestions according to the changes of state-owned commercial banks'competitive environment.This paper chooses level analytic method as mainly research method. The level analytic method synthesis both qualitative analysis and quantitative analysis, and simulates people's policy-making process, carrying on the analysis to the multi-factors complex system, especially to the social system which is decrypted by quota. We have constructed target system of the state-owned commercial banks'competitive environment by five two-level factors, according to the basic principle and steps of level analytic method. And then, we talk about the establishment of the factors'weight, quantization of the stationary index and the standardized process of the quota target.This paper analysis the factors which influence the state-owned commercial banks'environment, and elaborates the influence conduction mechanism between these factors and competitive environment in detail. At the same time, we have constructed a appraisal system of the state-owned commercial banks'competitive environment, and have carried on the empirical analysis to it. The practical significance of this paper lies in: Firstly, we help the state-owned commercial banks realize the environment around them, by analyzing the changes of the state-owned commercial banks'competitive environment. Secondly, we provide the theory tool for the evaluation of the state-owned commercial banks'competitive environment. Thirdly, we put forward practical and feasible policy proposal in order to deal with the changes of the state-owned commercial banks'competitive environment.