Analysis Of City Commercial Bank Core Competence Use Jinshang Bank As A Case

City commercial banks have already developed over 10 years, they have got great achievements, and has become an important part of China's banking system. At the end of 2009, total assets of urban commercial banks reached 5.68001 trillion Yuan, accounting for the amount of the banking sector compared to 7.2%.But we should also see that, after the financial crisis, the external business environment of commercial banks has definitely changed, more and more intense competition in the domestic banking sector, foreign banks are starting to enter our country and deep into the inland cities. With this background, the market for city commercial banks, a lot of differences and disputes come about for competitiveness and sustainable development strategies. So, deep studies for the market competitiveness of city commercial banks have great significance. In short, improve the core competitiveness is the Fundamental Way of city commercial bank's development, which is also the purpose of this paper lies.First, in this paper, based on the theory of the core competitiveness of city commercial banks, introduce the basic concepts and characteristics of the city core competitiveness of commercial banks, and expound it into real competitiveness and potential competitiveness. Then to our 6 non-listed city commercial banks, 3 listed city commercial banks, 3 state-owned banks, 6 joint-stock commercial banks as the research object, build the core competitiveness of banks a framework for comparison, comparative analysis and objective assessment the heart of the city commercial banks, competitiveness, and take a SWOT analysis. Take Jinshang Bank as the case to compare with the other 12 non-listed city commercial banks, and its predecessor: Taiyuan City Commercial Bank to find the difference between before and now. The American community bank's clear market position, detailed access to information, advantages in the regional operating cost, product innovation and the mature personality development strategy, provides China's city commercial banks to market orientation a useful inspiration and reference.Finally, according to the analysis of the results of empirical research, combined with the development of city commercial banks are currently the actual situation of community banks in the United States learn from the development experience of mature, based on targeted a series of measures and strategies with a view to further enhance the city commercial banks to maintain its competitiveness and provide reference for the sustained and healthy development.