Empirical Research On The Evaluation Of The Core Competence Of Listed Commercial Banks

The development and reform of China's banking faces many new situations. The deepening trend of financial globalization, close connection of financial market, the increasing degree of internationalization, Financial innovation's changing, the trend of comprehensive management's developing, international finance competition increasingly fierce, the capital of cross-border flow scale continuous expanding, uncertain factors increase, all of these are the new situation the we shall face. After entering into the WTO, the competition becoming more fierce. Under this circumstance, China's banking is in the important period of transition and development, along with new opportunities and severe challenges. In all, the urgent affair is to improve the core-competitiveness of China's banking. According to the analysis of core-competitiveness of commercial banks in China, how to improve the core-competitiveness and form commercial banks with the international competitiveness is of great significance. The research is based on the thorough understanding of the connotation and characteristic of core-competence of commercial banks, combined comprehensive judgement of listed commercial banks with the effective results, the conclusion and suggestion we put forward is more scientific.The essay is divided into six chapters, and the main points are as the following:(1) the analysis of development status of listed commercial banksThis part conducts a descriptive statistics analysis of financing activities, market scale, liquidity, safety, profitability, income structure to have a good grip of basic status of listed commercial banks and find some core problems. According to this, we put forward targeted suggestions.(2) the analysis of core competence of commercial banksReferring to the theory and method of judging the core competence of commercial banks both at home and abroad, based on building, we use AHP and Delphi to determine the weighted vector in the index system so that we can build the model of the evaluation of the core competence of listed commercial banks. We evaluate and analyze listed commercial banks in China, and get to know the merits and drawbacks of each listed commercial bank to learn the opportunities and challenge they are facing which is helpful to the guidance of listed commercial banks. In the process of building the model, the research find out the future of core competence of listed commercial banks so we can finish the evaluation of the core competence of listed commercial banks in China.(3) the relative effectiveness analysis about the core competitiveness of listed commercial bankFirstly, making the use of factor analysis and R cluster analysis to confirm the sets of input index and output index of the listed commercial bank of our nation, then to make some relatively descriptive statistical analysis about all kinds of the indices. Secondly, on the base of the confirmed sets of input index and output index, establishing the DEA model namely non Arcihmedes infinitesimal CCR model and BCC model about the relative effectiveness analysis about he core competitiveness of listed commercial bank, to make a deep study about the general effectiveness,pure technical effectiveness and scale benefit of the listed commercial bank of our nation. Finally, relying on the analysis about the problem of input redundancy and output deficit of non listed commercial bank to propose countermeasures to solve the problems of all kinds of the non listed commercial banks.The results are as follows:Beijing Bank,China merchants Bank and Shanghai Pudong Development Bank ranked the former three in the total score of comprehensive competitiveness; Hua Xia Bank,Bank of Communications,China Bank ranked the reciprocal former three respectively; China Construction Bank,China Commercial Bank and Beijing Bank ranked the former three in the total score of realistic competitiveness,China Huaxia Bank,China Minsheng Bank and Ninbo Bank ranked the reciprocal former three respectively; China Merchants Bank and Nanjing Bank ranked the former three in the total score of potential competitiveness,China Bank,China Construction Bank and Bank of Communications ranked the reciprocal former three respectively. Among the fourteen listed commercial banks, the DEA model plays a role in half of them, while it is not effective in others, and the phenomenon of input redundancy is serious in four national listed commercial banks.