The Analysis Of China Everbright Bank Competitive Power

After thirty years of reform and development for many years, the rapid development of China’s economy, the banking industry is the main body of financial economy, plays the role of a bridge financing in the development of economy, and the development of the banking industry in itself and to promote the development of social economy and the enterprise stable growth has played a huge role in promoting. China Everbright Bank was founded in 1992, the China Everbright Bank China constantly innovate, have been trying to provide products and services to meet customer demand for quality, customer. With the rapid development of China economy, gradually open China comprehensive financial industry, the global economy integration, the number of commercial banks in China is constantly increasing, different scale, the different nature of the bank such as bamboo shoots after a spring rain like emerge, the banking industry is the trend to form triangular competition between local financial institutions, non-financial institutions, foreign financial institutions pattern. Since 2010, in the world economic downturn, the commercial bank non-performing loan rate has continued to rise, yield declining in recent years, the rise of the Internet financial cause great impact on commercial banks. How to improve the bank’s own competitiveness of China Everbright Bank, in the fierce competition for survival and development, how to deal with the banking market changes and new challenges to the world economic downturn, how to choose the correct strategy for enterprise development, the establishment of effective countermeasures to enhance the competitiveness of the way and face new challenges, how to in the fierce competition, business innovation and theoretical innovation is the most serious challenges facing China Everbright bank.This paper analysis starts from the competition theory, and then expounds the definition of the competitiveness of commercial banks, based on competence theory, the general and special comprehensive consideration of commercial bank, that bank competitiveness is a commercial bank in the macro financial market environment, relying on its own all sorts of resources development, through its own deposits, loans, intermediate business approach, considering the comprehensive ability of the ownership structure, product innovation, human resource management, which can ensure the comprehensive ability of commercial banks in the market operation of the liquidity, safety, profitability, it can constantly according to the customer demand to provide financial products and services, and can continue to resist the risk in the course of business. More research on the competitiveness of banks abroad, generally speaking also is the professional assessment agencies, compared to the bank competitiveness ranking and assessment, including: evaluation of financial system 1, WEF and IMD standards. 2, the financial professional newspapers according to each country banking industry overall data of large bank of the world rankings and comparisons. For banks and other financial institutions in the 3, Moodie, the standard & Poor’s and other world famous Rating firm credit or risk rating. Research on the competitiveness of commercial banks in China started relatively late, after the economic system reform deepening, slowly began to research on the competitiveness of commercial banks, the research focuses on 2000, the research on the competitiveness of commercial banks at present is mainly set in the definition of the research on the competitiveness of commercial banks of domestic scholars, research influence factors, to build the research and analysis method of evaluation index, on the whole is mainly about the definition of bank competitiveness concept, construction and analysis of bank competitiveness evaluation index system.This paper uses the evaluation index system of the competitiveness of commercial banks in the research methods, the evaluation index system is the basis of relevant research at home and abroad on the design of the evaluation system of comprehensive, including explicit implicit competitiveness, competitiveness, environmental competitiveness three aspects. In the evaluation system of apparent competitiveness including bank safety, liquidity, profitability, these three aspects, the coverage rate as an index of the rate of bad loans and the provision by the safety, liquidity in the choice of short-term assets liquidity ratio as index, profitability in the choice of the rate of return on net assets and operating income growth rate as the index. Analysis on the aspects of ownership structure, financial innovation, human resources include implicit competitiveness analysis. Analysis of the size of the total assets of the listed banks competitiveness in the environment, the impact of macroeconomic situation and the national policy of China Everbright bank.The dominant competitive analysis, Chinese Everbright Bank in safety, liquidity, profitability in three aspects, the 16 listed banks, the non-performing loans of China Everbright Bank rate in 16 listed banks ranked sixth, provision of China Everbright Bank coverage in the 16 listed banks in twelfth, liquidity in the ninth row, net income assets of China Everbright bank rate ranked fourth, operating income growth rate in the last row, innovation capability index in non interest net income growth rate ranked fourth, intermediate business accounted for income ratio is ranked sixth in terms of per capita, create profit index ranked ninth, the scale of assets in the Eleventh row. In general, the dominant competitive analysis of China Everbright Bank, China Everbright Bank in general, the performance can be in the recessive competitive analysis, face many challenges in the current macroeconomic situation. In a comprehensive analysis of China Everbright Bank, according to the China Everbright Bank in the banking competitiveness of the lack of some targeted countermeasures and suggestions.