An Research On Core Competitiveness Of City Commercial Banks In China

City Commercial Bank is developed from urban credit cooperative. From the city commercial bank setted up in China in1995, it has experienced nearly twenty years of development road. During this period, the City Commercial Bank has experienced a transformation that shift from scratch, from small to large, from extensive management to the management of modern commercial banks. Especially in solving the financing difficulties of SMEs, serving the public and promoting local economic development, it has played an important role. The City Commercial Bank has become the third echelon in commercial banks in China and is an integral part of banking industry in China. According to the statistics in China Banking Regulatory Commission, by the end of2011, they are144city commercial banks with9.98trillion yuan assets and9.32trillion yuan liabilities; the proportion of city commercial banks total assets to banking financial institutions’ is8.8%in2011, continuing a trend of growth.However, because of congenital deficiency, the city commercial bank from the date of birth accompanied a series of problems, such as business function insufficiency, weak internal control system, lack of innovation; combined with the comprehensive share reform of large commercial banks, the deepening of the joint-stock commercial banks, the entry of foreign banks and the deepening reform of rural credit cooperatives and postal savings bank, the city commercial banks in our country have faced increasingly fierce competition of bank industry and severe external challenges. How to develop the comparative advantage, overcome the disadvantage, take full advantage of the opportunities, deal with challenges in the the fierce competition? To nurture and enhance their core competitiveness is extremely urgent.The method of normative analysis is adopted in this paper. The research of the city commercial banks is based on the core competitiveness theory. To begin with, the article defines city commercial banks, describes characteristics of the core competitiveness and the elements of city commercial banks core competitiveness and city commercial banks competitiveness evaluation rating system. Then,analyzes the development process and status of the city commercial bank and the elements of core competitiveness of the city commercial bank(including Development strategy, organizational structure, innovation and technology, risk management, corporate governance and human resources),and gives competitiveness evaluation rating system of city commercial banks. what’s more, this paper taking three listed city commercial banks, eight unlisted city commercial banks, one large commercial bank and one joint-stock commercial bank as research objects,combines with competitiveness evaluation rating system of the city commercial bank to analyze and appraise core competitiveness of the city commercial bank objectively. Last, combined with the analysis of the deficiencies and evaluation in the city commercial bank in China, the paper puts forward a series of recommendations, in order to provide some reference to strengthen its core competitiveness and maintain its sustained and healthy development of the city commercial bank in China.