Study On The Improvement Of Shaanxi Branch Of ICBC GX Subbranch Of The Core Competitiveness

Since2001, China’s accession to the WTO, with the development of various types of banks, the financial reform of our country is moving, to a deeper direction at the same time, China’s banking sector has also undergone profound changes. First of all, the bank diversification., regional commercial banks are booming. City commercial banks, rural commercial banks and other special service was established, also in specific regions and customers in all over the country in various banks, foreign banks in China, and set up branches in more than one city. Secondly, the bank business diversification. All kinds of innovative business of the banking industry to a hitherto unknown height of development, to promote it to all financial institutions change. Third, bank customers to the appearance of fine differentiation. For all types of customer groups, each bank is trying to formulate a financial plan for the customer subdivision, marking China’s banking sector has entered a mature stage of development. In this context, we can say, the benefit of the main competition in Chinese banking industry diversification, competition means diversification, competitive business has become the most obvious feature.Based on the basic concepts of core competence as the starting point, and the connotation, the characteristics of core competitiveness of commercial banks and its elements were summarized, to provide theoretical support for Shaan xi branch of industrial and Commercial Bank of GX subbranch of the core competitiveness. First, the connotation of Shaan xi branch of ICBC GX subbranch of the core competence and its contents were defined, analyses the causes and problems and problems of Shaan xi branch of industrial and Commercial Bank of GX subbranch of the core competitiveness of the status quo, through the SWOT analysis to select the clear; Shaan xi branch of ICBC GX subbranch of the competition strategy. According to the theory of the core competence of commercial banks, combined with the actual situation, the design of the Shaan xi branch of ICBC GX subbranch of the core competitiveness of construction. At the same time, in order to make the project implementation, and put forward the guarantee measures three aspects of mechanism, human and culture. Finally, on the basis of comprehensive analysis, the article draws the conclusions.The key is to establish the index system evaluating the competitiveness of the Banks, and to assess bank competitiveness on the basis of the analytic hierarchy process. Later, it is main factors such as size of bank competitiveness, profitability, asset quality, the ability of operation and management, the external environment, etc., it is nice to know the strengths and weaknesses in its competitiveness. Finally, in view of the main reasons leading to the inferior strength, such as high non-performing loans ratio, lack of innovation, imperfect internal control system, puts forward the following countermeasures:increase assets, expanding profit space, improve the quality of assets. And to strengthen internal control.