Shengjing Bank Competitiveness Analysis And Improvement Based On Financial Perspective

Along with the rapid growth of China’s economy, city commercial banks, as an important part of China’s financial industry, it is necessary to help shoulder the responsibility of China’s sustained economic development, but also in the context of global integration and gradually integrate into the foreign banks to compete, competitive pressures is also unprecedented huge. Competitive advantage of China’s city banks are gradually weakening trend, how to take into account both the operating efficiency and management efficiency, and enhance the competitiveness of the bank, so that it can enhance its own advantages in the fierce market competition, this is the problem that our city commercial banks have to face, of course, it is urgent to solve the problem of Shengjing bank.Financial indicators as a most general commercial language, can directly reflect the Bank of reality. Therefore, this paper from the perspective of financial constructed Shengjing bank competitiveness evaluation system, is conducive to the establishment of scientific competitiveness evaluation mechanism, so as to find out the key factors that affect the competitiveness of Shengjing bank, fundamentally improve the Shengjing bank competition strength.The thesis first describes the general of Shengjing bank development status and the financial situation and from internal and external perspective on the competitive environment do brief analysis, found the advantages of location and retail customers growth faster, profitability and cost control better, the core enterprise customers better quality, to small and micro financial promotion actively. Disadvantage has a low market share, non interest income accounted for too high, the middle business is not mature enough. National policy support, the rise of small and medium enterprises will bring new opportunities, but also the four state~owned banks, other commercial banks and the threat of a large number of private lending capital. In which is based on the financial perspective of the construction of competitive system selects the security capacity, flow capacity and development innovation ability, profitability and scale strength, using the AHP analytic hierarchy process of index weight calculation, and finally obtains the Shengjing bank competence based on financial perspective in city commercial banks in a strong level. Then select the same is competitive with strong four City Commercial Bank, Beijing Bank, Nanjing bank, Bank of Ningbo and Harbin Bank, the various index to do analysis and comparison, this can be more intuitive to discovery of Shengjing bank competitive advantages and disadvantages. The study found that Shengjing bank based on the financial competitiveness in the middle level of five banks. Shengjing bank is in the leading position in safety and profitability, but the other three are in the middle level. This paper has made some suggestions to enhance the competitiveness of Shengjing bank, and points out that it should expand the intermediate business to achieve diversified business, expand the area and structure of the loan to avoid a single focus too much, establishing business innovation system and promoting financial innovation, to strengthen the management of capital adequacy ratio.