Study On Evaluation And Enhance Countermeasures Of Core Competitiveness Of Small And Medium-sized Commercial Banks

The great core competitiveness will play an important role for commercial banks. This paper studies on the current situation of the core competitiveness of small and medium-sized commercial banks, and uses the related theory and research results of other scholars for reference. Then the paper choices profitability factors, security factors, liquidity factors,sustainability factors as the basic factors to evaluate the development level of core competitiveness of small and medium-sized commercial banks. After that, the paper takes 19 small and medium-sized commercial banks as examples, using Analytic Hierarchy Process to make the weight of the factors, to evaluate the development level of core competitiveness of them.The paper gets four conclusions as follows. First, the small and medium-sized commercial banks develop rapidly in the resent years, the business lines and scale promotes observably, bring in strategic investor, trans-regional management, joint and reorganization,and so on. However, there are some problems as well, such as the lack of differentiation competition ability, unreasonable organizational system, and so on. Second, the capital position, asset quality and liquidity of small and medium-sized commercial banks can meet the require of great core competitiveness, but from the excellent level and larger gap; the gap between different regions in the gradually shrinking, but the Midwest is still relatively backward; small and medium-sized commercial banks is still compete with State-owned Banks and joint-stock commercial Banks in homogeneity of business competition. Third, the best small and medium-sized commercial bank of great core competitiveness is Beijing Bank,Nanjing Bank and Hangzhou Bank, they put up a good performance; Ningxia Bank, Hankou Bank, Inner Mongolia Bank and Fudian Bank behave badly with core competitiveness. At last,the paper puts forward enhance countermeasures, such as developing rational scale of bank earnings, improving safety with risk management mechanism, improving the commercial bank liquidity, making clear market positioning, and so on.