A Study On The Competitiveness Of China 's Urban Commercial Banks

In China’s financial system, the bank is the main body of China’s financial market, but also an important channel for the effective integration of monetary funds,for the development of the national economy plays an irreplaceable role. After China’s decades of reform and development. At present, in China’s banking industry service system, has gradually formed the multi-level banking system. Among them, city commercial banks as in our banking system, an indispensable part is product of our years of reform and opening up, the financial system reform and innovation. City commercial banks as Bank of China’s financial industry and the emerging financial institutions will have to withstand various tests and challenges: to survive in the cracks of various types of bank and need to breakthrough in the innovation constantly,in the reform actively looking for a new direction for the development of, in trials and challenges, forming a path of its own characteristics. At the same time, also need to pay attention to crisis and challenges also unceasingly to the city commercial banks difficult. To improve the competitiveness of city commercial banks have gradually become the whether insiders or layman of common interest topic, visible city commercial bank competitiveness study of the subject is necessary and has research value and practical significance of.This article is divided into seven parts. The first part mainly introduces the current city firm background, the research purpose, theory and practical significance and research ideas and methods and the domestic related research results were simple review. The second part is the main basis for competitiveness of city commercial banks related concept definition. This part of the first theory of city commercial bank,competitiveness of the basic concepts of the basic definition, then from three aspects of the real competitiveness, potential competitiveness and the competitive environment, and introduces the theoretical basis of city commercial banks. The third part first introduced the origin of China’s city commercial banks, then the status of China’s city commercial bank development and competitiveness analysis, introduces the current situation of the development of city commercial banks in China, on the basis of city commercial banks in the existing analysis of the advantages and disadvantages, elaborated the characteristics of city commercial banks in our country and the existing problems. In the fourth part, the paper introduces the principle of the evaluation system of the competitiveness of China’s urban commercial banks and theselection of the evaluation indicators of the competitiveness of urban commercial banks in china. The fifth part is the empirical analysis of the competitiveness of China’s urban commercial banks. This part through the combination of theory and practice, were collected and sorted out the five state-owned commercial banks and six joint-stock commercial banks and 11 small city commercial bank data, and preliminary screening of index data, ensure the index system can represent most of the data and has striking similarities to replace most of the data, factor analysis of the selected indicators, using factor analysis method, and the more uniform data for several key aspects of the data. Finally, through a certain method score, and the relationship between the correlation between banks. The sixth part of the analysis of the results of the analysis, proposed to enhance the competitiveness of urban commercial banks related methods and recommendations. Mainly include: a clear market position and the realization of the multi-level development and improvement of China’s city commercial bank ownership structure and the corporate governance structure, improve the city commercial bank’s innovation ability, strengthen risk management, strengthen the management of human resources etc.. The seventh part is the summary of the whole article.