Research On Comprehensive Competitiveness Of Commercial Banks

The development of urban commercial banks started late,there are small scale,imperfect management and so on.In the fierce market competition,how to overcome their own weaknesses,to seek sustainable development is an important issue facing the city commercial banks.This paper studies the competitive ability of SD provincial commercial banks,analyzes and evaluates its advantages and disadvantages,and is conducive to understanding the development status and existing problems of H commercial banks,so as to explore the promotion of the healthy development of small and medium-sized commercial banks,including H Bank The effective way,has important theoretical value and practical significance.This paper first reviews the domestic and international financial indicators,the introduction of non-financial indicators,based on the efficiency of commercial banks competitiveness of the research results,and then build a commercial bank competitiveness evaluation index system and reference sample selection,and the sample factor analysis,The competitiveness of H commercial banks was evaluated from the aspects of environmental adaptability,sound management ability,profitability,customer service ability,asset quality,liquidity and customer communication ability.The results show that:First,the comprehensive competitiveness of H commercial banks is poor,the competitive advantage is not obvious,in the sample bank competitive ability ranked 25th,in the city commercial banks in the comprehensive competitiveness close to the middle level,many aspects to be improved;Second,in line with the requirements of national regulatory requirements,H commercial banks performed poorly,the overall backwardness and industry level,and even living in the last bit;third,H commercial banks environmental adaptability is lower than the industry average,unstable development;profitability Weak,return on net assets showed a downward trend;Fourth,H commercial bank customer service and communication skills traditionally backward,low efficiency,little development and innovation,no application of modern and efficient technology and means.According to the conclusion of the study,the policy recommendations in this paper include:first,to maintain good capital adequacy,to ensure the safety and stability of the operation;second,to maintain moderate liquidity,enhance business safety and other advantages of the development strategy;4,to strengthen customer communication and service capacity building,strengthen the sense of service,enhance service skills and ability for the development of inferior strategies;to improve the efficiency of the management of enterprises,...