China's Joint-stock Commercial Banks Competitive Analysis

As the outcome of the economic development and the financial revolution, the company joint-equity banks are taking on the mission of both inducing the market competition mechanism and probing the commercialization of the banks. After more than ten years' development, they've taken a market share of 10% plus and rank at the head part of the line. However, with the more and more profound revolution of the national banks and the faster pace of the foreign banks, greater suspicion appears about their competitiveness and the sustainability of their development. In this background, it has a far-reaching meaning to research for the status and improvement of their competitiveness. Using the comparative analytical method and combination of qualitative and quantitative analysis, this essay thoroughly and profoundly anatomize the competitiveness of the company joint-equity banks and put forward some constructive countermeasure for improving it.This essay comprises four parts. The first part is the introduction. It mainly introduces the research background, the contents and the structure of this paper . The second part is a survey of the theory about competitiveness, it offers the theoretical foundation. The third part is the comparison between the company joint-equity banks of our country and the main foreign banks about their competitiveness. It analyses from three aspects, that is the behavior storey, the potential competitiveness and the environmental factors. Through the analysis of the data and from the aspect of institution and finance innovation, we draw the advantages and disadvantages of the company joint-equity banks and it carries on analyzing the reason of the disadvantages that the company joint-equity banks have at present, especially details on capital adequacy rate, finance innovation and corporate culture, ect. During the analysis of the behavior storey, we use some forms, obtained the newest data mainly from "the banker", "China's financial yearbook" and the bank's website, so it can well explain the current situation of the company joint-equity banks. The last part of the article is to propose the corresponding countermeasures to the question of the company joint-equity banks that were pointed in the second part, In order to take the corresponding act to improve its competitiveness.