A Comparative Study Of The Core Competitiveness Of China's Listed City Commercial Banks

It has been more than 20 years since the establishment of the first city commercial bank in China.The city commercial banks have served for the majority of the people in the past 20 years and met the financing needs of SMEs.while promoting local economic development,their market position and management capabilities have also been continuously consolidated and developed.In China's current financial system,city commercial banks have become an indispensable and important component,effectively filling the business gaps of state-owned commercial banks and joint-stock banks,greatly improving the perfection of China's financial services.After years of development,the asset size and debt scale of China's city commercial banks still maintain a growth rate of 12.30%and 12.70%.The commercial banks have maintained the first place in various types of commercial banks' growth rate for many years,which fully demonstrates the good development expectations of theirs.While affirming the development advantages of city commercial banks,we should also see some problems in the development of China's city commercial banks.In terms of market competition,there are large-scale state-controlled commercial banks and a large-scale joint-stock commercial banks with strong capital strength,a nationwide operation network and a relatively mature management system.Besides there also are villages and towns banks and other small and micro financial institutions which are encouraged by the government to support and have deep cultivation in the region.With the government's gradual relaxation of private capital participation in the establishment of banks,private banks may also seize the market share of city commercial banks in the future.In terms of their own development,in recent years,China's city commercial banks have also some problems,such as:the pace of development continues to slow down,asset structure shrinks;the level of interest margins rises,profitability declines;the growth rate of intermediary business declines;the balance of non-performing loans continuously increases,non-performing loan ratio rebound,facing asset quality pressure and other issues.Therefore,in the face of the increasingly fierce external competition environment and the defects in its own development,China's city commercial banks want to maintain steady,rapid development,overcome their own shortcomings and deficiencies,the key is to cultivate and improve their core competitiveness.Based on the theoretical perspectives of finance and economics,this paper uses statistical methods to conduct empirical research and analysis,by qualitative and quantitative methods to analyze the main factors affecting the core competitiveness of listed city's commercial banks in China and propose corresponding suggestions.Considering that the development of China's city commercial banks is currently showing many problems and uneven development,this paper selects 21 city commercial banks with good development and representativeness in the city's commercial banks.Firstly,this paper takes the core competitiveness as the underlying theoretical basis,and studies and analyzes the connotation and performance of the core competitiveness of commercial banks from the perspectives of operational capability and risk status,and builds evaluation based on realistic competitiveness and potential competitiveness.The index system analyzes its core competitiveness.Secondly,based on the selected sample data,combined with the core competitiveness evaluation index system constructed,the SPSS20 is used as the factor analysis to compare and analyze the factor analysis's results.Finally,in order to provide effective guidance for China's city commercial banks to enhance their core competitiveness and sustainable and stable operations,this paper bases on the analysis results and puts forward some targeted suggestions above improving the core competitiveness of China's city commercial banks.