Analysis Of China’s Listed Commercial Banks Competitiveness

This paper expounds the connotation of competitiveness, the competitiveness of enterprises and the competitiveness of commercial banks, on the enterprise competence theory are summarized, and then, follow the scientific, comprehensive, availability principle, selected to reflect the competitiveness of commercial banks to a certain extent, profitability, safety, liquidity, size and development five types of indicators of a total of16indexes, constructs the evaluation index system of the competitiveness of commercial banks, on this basis, using the factor analysis method to make an empirical analysis of China’s listed commercial banks competitiveness.The results show, first, from the overall size of the strength, the ICBC, CCB, ABC and BOC scores in the factor is higher, the four banks in the aspects of the overall scale of strength performed better than the other joint-stock commercial banks, commercial banks scale is crucial to the competitiveness of the bank, can play a decisive effect of. Second, from the aspects of development capacity and mobility management capability, Ping An Bank, CITIC Bank, Nanjing bank and CCB in the factor scores the highest, showed the performance of the banks in the development of capacity and mobility management ability is better. Overall, the banks in the liquidity management of the gap is not big, but the factors will become an important factor affecting the further development of commercial banks. Third, from the bank’s risk management capability, performance of CIB, CMBC, CMB and CEB in this aspect are better, has the higher risk management ability. Fourth, from the bank’s profitability, asset returns in Beijing bank, Shanghai Pudong Development Bank, CCB and CIB capital gains rate is high, reflecting the good profitability, while the profitability of ABC and Huaxia Bank, the worst. Fifth, profitability and risk management ability, CMBC, Ningbo bank, CCB and CITIC Bank has higher profitability and risk management ability, ability in the two aspects of the Beijing bank and Huaxia Bank are poor. Sixth, from the comprehensive competitiveness, the established index system, the indicators have impact on the competitiveness of the bank. The rate from the variance of each factor’s contribution, factor scale strength manifests as it has higher contribution rate, which has a decisive effect on the competitiveness of commercial banks. Other factors are to a certain extent determines the competitiveness of commercial banks status. The absolute advantage of BOC, ICBC, CCB and ABC in the scale strength, decided they listed on China’s commercial banks competitiveness rankings, fully reflects the strength of the competitiveness of the decisive status scale.The empirical results of analysis and research, and to improve bank external financial environment and internal factors, so that the competitiveness of banks can be greatly improved.