Analysis On The Competitive Power Of SJ Bank

The article analyzes the competitive power of SJ Bank. Established in 1996, SJ Bank has experienced the financial crisis of Southeast Asia and Economic crisis triggered by Subprime Crisis in America. Although facing these challenges from outside, SJ bank has still seized any opportunity to make a great achievement. It will be meaningful to do some researches on advantages and disadvantages of SJ bank, which will help SJ bank to get through the economic slump cycle.This anticle is composed by six parts. First, it points out that commercial banks are a special kind of enterprises, so their competitive power also has its particularity. Second, on the basis of analysis on the theory of banking competitive power from researchers, the article has built up baking competitiveness theoretical framework and banking competitiveness evaluation index system. The article has used the methods of both qualitative analysis and quantitative analysis. Third, the article has analyzed the development situation of SJ bank, and discussed the external competitive environments it faced. Forth, with the method of SWOT, SJ bank has been qualitatively analyzed, considering the factors of advantages, disadvantages, opportunities and challenges. The fifth is quantitative analysis of SJ bank's competitive power. Compared with the relative data of State-owned commercial bank(Industrial and Commercial Bank of China), joint-stock commercial bank(Industrial Bank Co., Ltd) and foreign-invested bank(The Hong Kong and Shanghai Banking Corporation), the article has found out SJ bank's Strengths and weakness. At last, based on the foregoing analysis, the article put forward some proposals how to upgrade SJ bank's competitive power. Such as: enhance the profitability, enhance the security of business, introduced in strategic investors to replenish capital and some suggestions to deal with financial crisis. The proposals above will also be helpful to other small and medium-sized joint-stock commercial banks.