Research On The Financial Competitiveness Of China’s Commercial Banks

In recent years,the competition between commercial banks in China is becoming more and more intense.In the competitive factors of commercial banks,the financial competitiveness is the most decisive factor in the competition of commercial banks.The financial competitiveness of commercial banks plays a dominant role in the competitiveness of commercial banks,which is of great practical significance to the improvement of commercial banks’ competitiveness.Therefore,in the fierce competitive environment,how to improve the financial competitiveness of commercial banks,China’s commercial banks need to be resolved major issues.In this paper,the commercial bank financial competitiveness study,it includes six parts,the first part is the introduction,the article starts from the research background,expounds the research status at home and abroad,the research content and method.The second part is the competitiveness of commercial banks to finance related theory,define the concept of commercial bank financial competitiveness,and its characteristics,constituent elements and the relationship between.The third part is the commercial bank financial competitiveness evaluation index system and methods,this paper builds the evaluation index system including bank scale,operating ability,asset quality,innovation ability,profit ability,capital adequacy and risk management in seven aspects of 18 specific indicators,factor analysis and cluster analysis method to study our country commercial bank financial competitiveness.The fourth part is the empirical research on commercial bank financial competitiveness,it is the core of this article,selecting 96 in our country commercial bank financial data from 2013 to 2015,with the aid of SPSS20.0 and EXCEL2010 software,using descriptive statistics analysis,factor analysis and clustering analysis to our country commercial bank financial competitiveness of quantitative and qualitative analysis,descriptive statistics analysis of the development trend of commercial bank financial competitiveness,factor analysis it is concluded that the main factors that influence the competitiveness of commercial Banks,financial and composite scores and rankings,clustering analysis method to isolate four types of commercial bank’s financial competitiveness level.The fifth part is the empirical result analysis and Suggestions,based on factor analysis results,from the overall analysis of the financial competitiveness level of commercial banks,according to the results of the clustering analysis,the empirical analysis of the characteristics of four types of commercial bank financial competitiveness,aiming at the shortcomings of the existing put forward the corresponding suggestions.The sixth is divided into the conclusion and prospect.