Comparative Study Of Sino-US Banking Competitiveness

Banking is recognized as the core of financial system,and its competitiveness determines the overall national strength to some extent.The 2008 fiancial crisis had completely different infuluence on Sino-US banking.This crisis stimulated the China’s banking development,on the contrary,it hit America’s banking,through America’s banking recovered from the crisis through a seris of reforms.The problem of which country’s banking is more competitive needs further research after the baptism of the 2008 financial crisis.Through qualitative and quantitative analysis,this paper compares China’s and America’s banking competitiveness.The conclusions are as folllows: for the liquitity,America’s banks has stronger liquidity,and the base is more stable,however,there is not so much difference between the two country’s banks;for the development capacity,America’s banking is far more better than China’s,though China’s banking development capacity is becoming more and more stronger,it needs to keep the growth rate continuly if they want to catch the America’s banking;for the profitbility,banks in China are ahead of America’s,while the cleavage is very small;for the risk management capacity,China’s banks is superior to America’s,however,banks in America is increasing risk control ability,it may will overtake China’s banks in the future.Taken all the results together,China’s banking comprehensive competitiveness is slightly better than America’s banking.To improve the competitiveness,China’s banking should take some necessary methods as follows: firstly,pay more attention to the development of the intermediate business,and improve the profitbility;secondly,control the asset size of some big banks and raise operational efficiency;thirdly,strenghen the risk management,enhance the risk control ability.