Study Of International Competitiveness Of China Joint-stock Commercial Banks

As one member of World Trade Organization, China has been increasingly opening its bank industry accordingly to relative WTO agreements. At the same time, foreign banks are especially taking drastic steps to enter China because of a total cancellation of restraint policies at the end of 2006 which lasted for a long time, China's banking sector tended to face the competing pattern of local financial institutions, foreign financial institutions, non-financial institutions, China joint-stock commercial banks should not only face competition from four state-owned commercial banks, must directly face the market with mature experience strong competition of foreign banks. The emergence of sub-debt crisis made global financial institutions experienced an unprecedented challenge, and low-carbon economy has opened up new areas for the financial development, to enhance the international competitiveness has become an inevitable choice for the joint-stock commercial banks in China in the fierce market competition. In the view of low-carbon economy, the international competitiveness of joint-stock commercial banks is through the design of low-carbon financial products to conform to a low carbon economy, the upgrading of traditional industries to provide green credit support, absorption of outstanding foreign banks'traditional management experience and technology, by which accumulated the level of international influence. Thus, there is some practical value to study the international competitiveness of joint-stock commercial banks in China.By sorting out the theory at home and abroad, and based on the analysis of the international competitiveness of the traditional joint-stock commercial banks and the joint-stock commercial banks from the perspective of low-carbon economy, analysizes the factors. Meanwhile, according to targeted, forward-looking, with the times and with the practical principles, expounds the main factors of the international competitiveness of China's joint-stock commercial banks. On this basis, build the international competitiveness structure chart of joint-stock commercial banks in China, and the criteria layer includes: return on assets, risk control, innovation, market power; the index layer includes: main business revenue and net assets yield, net interest margin, management expense ratio, equity, non-performing loan ratio, coverage provisions, capital adequacy ratio, industry concentration of loans, financial innovation, management innovation, marketing innovation, technological innovation, and international level, brand building, staff quality, corporate culture, quality clients. Then, based on AHP, and based on questionnaire data obtained on the international competitiveness index system gives weight, and conducts a comprehensive evaluation on the international competitiveness of joint-stock commercial banks in China. Finally, based on the evaluation results, give the countermeasures to enhance the international competitiveness of the joint-stock commercial banks in China.