The Research On Competitive Power Of Chinese Commercial Bank

With the constant enhancement of the globalization trend of economy and finance, especially the financial market of China accelerates open after the accession to the WTO. All the domestic commercial bank face a great and urgent subject how to structure and promote competitiveness .The target that this text studies is mainly four major state-run commercial bank and eight representative shareholding commercial banks of our country. With comparative analysis between the domestic commercial banks and several famous commercial banks in the world, find out the weak point in system, managing, thinking of commercial bank of our country. And on this foundation, put forward a few views how to structure and improve the competitiveness of commercial bank of our country. Final purpose lie in it will be helpful to research of this subject, hope it can offer some help to development of banking of our country.There are two kinds of research about the appraisal of commercial bank at the present stage in the world: firstly, credit rating organization, for instance: Standard & Poor and Moody Company. Secondly, government's regulator appraises to the commercial bank in term of supervising. The article also emphatically recommended CAMELS grade system to commercial bank, and other grade system of banker " Magazine and IMD & WEF, etc.. There are actually few documents specializing in the competitiveness problem of the commercial bank among the domestic scholars, the research results sporadically appear in the academic article. Documents studying the competition power of the bank in terms of efficiency of the bank are relatively abundant, but among the bank efficiency study document, some domestic scholars usually study the subject in terms of financial efficiency research. What is known to all: Yang de yong financial efficiency analyze, Wang Guang qian financial institution efficiency analyze, ye wang chun commercial bank efficiency analyze, etc..This text is divided into four big chapters on the structure: The intension of the competitiveness and research system of commercial bank; Competitiveness index system of commercial bank; Competitiveness comparative analysis of Chinese commercial bank; The analyze to China's commercial bank strengthening the competitiveness.Chapter one: the intension of the competitiveness and research system of commercial bank. First of all, the explanation of the competitiveness meaning of commercial bank, which is the competitiveness of commercial bank is a concept which seem to be clear but difficult to define. Different scholars hold on different views to the problem. The article draws the concept of enterprise's key competitiveness through the analysis to different theory developing stage of key competitiveness of enterprises. And then through comparing between the enterprises and the commercial bank, summarize the concrete explanation of the competitiveness of commercial bank.Secondly, the article has analyzed the foreign and domestic research current situation about the competitiveness theory of the commercial bank. In foreign research, the article emphatically recommended CAMELS grade system to commercial bank, and other grade system of banker " Magazine and IMD & WEF, etc.. In domestic research, the article recommended Yang de yong financial efficiency analyze, and Wang Guang qian financial institution efficiency analyze, and ye wang chun commercial bank efficiency analyze, etc..Finally, the article analyzed the competitiveness research principle, goal and target of Chinese commercial bank. There are five principles should be followed while studying the competitiveness problem of commercial bank: Prescroption , effectiveness , comprehensive , purpose and social. According to the real national conditions of our country, this text thinks that should achieve three purposes: First, the short-term goal is to improve earning capacity; Secondly, the medium-term goal is to adjust to WTO environment; Third, the long-term goal is to realize the sustainable development of the commercial banking. In defining the research object, the text selected the state-run commercial bank, commercial bank of the shareholding system and several famous commercial banks in the world..Chapter two: the competitiveness index system of commercial bank.First of all, the article has pointed out the basis that the author designs to the competitiveness index system of commercial bank. The choice of index follow three following principles mainly: 1, In terms of view of system, divide bank competitiveness into several subsystem, method to adopt multistage appraisal; 2, Design the competitiveness index system of commercial bank, should pay attention to the function that is a non-financial index, combining financial indexes and non-financial indexes together; 3, Should fully consider the commercial bank's own management characteristic in design of the index system.Secondly, according to three above-mentioned principles, have designed and chosen the competitiveness index of commercial bank. It is as follows: the market occupies ability index, profitable index, security index, mobile index, management ability index, the income structure index, etc.. Finally, according to each index situation of the above-mentioned commercial banks, make comprehensive appraisal to this bank and compare the competitiveness each other. Chapter three: the competitiveness comparative analysis of Chinese commercial bank. This chapter is divided into three parts again, the background of comparative analysis, comparing between state-run commercial bank and the commercial bank of the domestic shareholding bank, comparing between domestic commercial bank and foreign commercial bank.First of all, from vertical and, the article have explained the development history of commercial bank of our country and facing crisis that foreign capitals bank are seizing the domestic market.Second, three are real example part of this text, writer mainly found" China financial yearbook " data of 2002 and Britain " banker " magazine 1000 commercial banks global rank the materials 2003, carry on the index comparative analysis of the competitiveness to the domestic commercial bank and some foreign capitals banks. The index involved mainly is as follows, index of occupation rate of market, profit ability index, security index, mobile index, income structure index, etc..Chapter four: Chinese commercial banks strengthen competitiveness tactics analyze. This chapter is a main part of a full article. Through the researching and analyzing to the commercial bank of our country of several chapters of front, have summarized that the commercial bank of China, especially state-run commercial bank, is in relative inferior position in the market horizontal competition. So the commercial bank of our country must make great efforts to proceed from inside and outside, strive to improve the competitiveness of Chinese commercial bank completely.Section one, improving the ability of occupying of the market. The commercial bank of our country will change the idea while strengthening one's own inside construction, and launch the marketing that regards customer as the centre.Section two, improving the security. The security is a lifeline of the commercial bank, in view of his importance, writer have put forward four tactics to improve security of commercial bank. Firstly, strengthening financial supervision; Secondly, reform the organizational form of the property right, push into the shareholding system transformation of commercial bank; Thirdly, dissolve the non-performing assets in order to raise the competitiveness of commercial bank; Fourthly, raise the sufficient rate of the capital in order to strengthen the ability to resist risk of commercial bank.Section three: improving the profitability. The commercial bank is enterprises too, it possesses the general characteristics of enterprises, namely regard making profits as the final purpose. With the development of economic integration of the world, bank'profit space dwindle constantly. So, the mixed operation of commercial bank is an only way. Certainly, develops the intermediate business of commercial bank greatly, which is a requisite measure to raise the point of growth of bank profit too.Section four: improving the mobility. The concrete measure is as follows, firstly, strengthening the risk management consciousness of mobility; Secondly, realize the diversification of mobile supply; Thirdly, improve the benefit of operation of the fund; Fourthly, take different remedying measure to different mobile demands in time.Section five: improving financial innovation ability. With fast development of market economy, Chinese banking in the face of challenge, improving the innovation ability with independent finance already becomes the main topic of commercial bank. In terms of the current development situation of the financial circles of China, we must deepen financial products innovation, meeting the need of reform and development constantly. First of all, meet the needs of the market to explore actively. Secondly, innovate on management system. Moreover, fully use the credit lever, innovating on the conduction mechanism.Section six: improving the structure of incomes. The structure of the income of the commercial bank is divided into the interest income and non-interest income on the whole. In the face of the fierce horizontal competition, the commercial bank has already lost the advantage of interest each other, and the fighting had already turned to non-interest income. So, it is an only way of improving the competitiveness to develop the intermediate business of commercial bank.Section seven: improving personnel's quality. Innovation, expansion, the customer's development of the market of financial transaction, etc., after all, is finished by people. The quality of the human resources of a bank is their important signs of competing for strength and sustainable development ability. After China joins WTO, talents' competition has already become the focus of financial circles competition. So, strengthening the competition strength of China's commercial bank must carry on innovation in manpower resources management.