Research On Core Competitive Ability Of Chinese Commercial Banks-based On Spatial Econometric Analysis

Since Reform and Opening Up to the supply side reform and the latest Belt and Road strategy,the economy develops steadily,which builds up stable financial system and political system.Chinese commercial Banks play an important role in our financial market,the bank can take advantage of its leading position in the financial sector to get in-time and effective information,which will bring the bank to offer more sophisticated financial services and better investment ways.Thus,the research of Chinese banks' practical and guiding value is necessary,which can help the CBRC understand the development of banking industry as a whole.Moreover,shareholders can find out the strength and weakness of their own bank through the comparison between different Banks.This paper first introduces the core competitiveness rating method,the development status of China's banking industry and the division of China's economic regions.When it comes to quantitative analysis,first shows the regional statistics and introduces that usage of geographic spatial econometric model is necessary.Then,using Stata to practice the factor analysis method and building China's commercial banks' competitiveness evaluation system,then getting the result of performance calculation formula for the comprehensive competition score.Finally,with the help of OpenGeoda,Moran'I index is used to empirical test and analysis of the spatial auto-correlation of core competitiveness of China's banking industry.In summary,China's commercial Banks' competitiveness in assets and risk management have obvious positive correlation with space,state-owned commercial Banks' correlation is weaker than joint-stock commercial Banks,but the gap is becoming narrower.In detail,the state-owned commercial banks' risk management ability of spatial spillover effect is better than the asset size,risk management and innovation capacity,joint-stock commercial bank's asset scale spatial spillover effect is greater than the profit ability,risk management and innovation capacity,the researcher puts forward some Suggestions on the development of Chinese commercial Banks based on the empirical results.