Research On Competitiveness Evaluation Oftangshan Kaiping Branch Of ICBC

At present,the environment of commercial banks in China is undergoing profound changes.The process of market-oriented interest rate reform is accelerating,therefore,business risks and credit risks faced by commercial banks are rising.The substitution effect of the new industry represented by Internet finance on the traditional banking industry is becoming more and more obvious,and the competition in the banking market is becoming increasingly fierce.Tangshan Kaiping Branch,a grass-roots management unit of Industrial and Commercial Bank of China(ICBC)has deeply confronted the difficulties and challenges from China's economic development.How to deal with the unfavorable situation,improve the operating efficiency,and enhance the competitiveness of the sub-market are urgent problems to be solve.This is also the starting point of this paper.First of all,this thesis introduced the theory related to the competitiveness of Commercial Banks,further illustrated the concept of the competitiveness of Commercial Bank,followed by the analysis of 5 currently representative evaluation systems to test the competitiveness of commercial Banks and 4 commonly used evaluation methods in contrasting the competitiveness between commercial banks.Secondly,starting from the self-management of the bank,comprehensively considering the regional characteristics,industrial competition and the operation situation in recent years,the problems existing in the process of Kaiping Sub-branch's operation development and competitiveness enhancement are analyzed.Thirdly,based on the studies of scholars,the competitiveness evaluation system of state-owned commercial banks in Kaiping District is structured.The factors affecting the competitiveness of commercial Banks are divided into 12 evaluation indexes in four aspects: profitability,asset management and risk control,development ability,brand influence.Based on the operating data from 2016 to 2018,the analytic hierarchy process(AHP)and entropy method are combined to conduct the rank the competitiveness of three state-owned Banks in Kaiping District,namely,Industrial and Commercial Bank of China(ICBC),Agricultural Bank of China(ABC)and China Construction Bank(CCB).Theconclusion is the bank has both strengths and weakness in market competition.Finally,based on the analysis before,and combining with the situation of Tangshan Kaiping sub-branch of ICBC,the article puts 5 forward countermeasures to improve the competitiveness of the bank,hoping to render referential development ideas.