Comprehensive Evaluation And Influencing Factors Of The Competitiveness Of Listed Commercial Banks In My Country

At the end of 2018,the financial assets of the banking industry accounted for 91.39% of the total assets of the financial industry,an increase of 7.39% compared to 2015.This shows that the banking industry has a prominent position in the entire financial industry.Occupy an important position in the industry,and the relevant financial information is relatively easy to obtain,so it is worth researching.As the main body of the financial market,commercial banks should shoulder important social responsibilities and improve their competitiveness.With the advent of fintech,the banking industry has also been on the road to digital transformation,but what is the status of the competitiveness of commercial banks in digital transformation? How is the self-adjustment of commercial banks of different sizes responding to the pressure of transformation? And what are the main internal factors affecting competitiveness? Therefore,it is necessary to carry out a comparative analysis of the competitiveness of A-share listed commercial banks according to their size and the influencing factors of their commercial banks of different sizes.Due to the large proportion of A-share listed commercial banks in China's commercial banks,less data missing and their representativeness.So,based on literature references,the data of 26 A-share listed commercial banks in 2013-2018 was selected as the research Object.First,an index system is established from three aspects of profitability,risk control ability and sustainable development ability of commercial banks,and the comprehensive evaluation values of 26 commercial banks are obtained through the entropy weight-TOPSIS method and time-series characteristics are analyzed.Secondly,in order to fully understand the operating status of commercial banks in the digital transformation,the DEA method is used to analyze and compare the total factor productivity,technical efficiency,pure technical efficiency,and scale efficiency of commercial banks to understand the operating efficiency of commercial banks.Then,based on the analysis results in the previous section,select an aspect that can significantly represent the competitiveness of commercial banks.From the perspective of commercial banks' narrow sense of competitiveness,establish a fullsample panel regression model and a panel regression model with dummy variables to find significant Factors affecting the competitiveness of commercial banks.Finally,the difference influencing factors obtained in the previous analysis are introduced into Level 2 of the HLM model as inter-group factors,and the interaction between the intergroup factors and other independent variables is analyzed.The results show that: First,in the secondary indicators,profitability is a significant factor affecting commercial competitiveness.Second,for large-and medium-sized commercial banks,the reasons for their low operating efficiency are mainly due to the inability of technological updates to keep up with social needs.For small-scale commercial banks,not only the reasons for the low technical efficiency,but also the technology Reasons for falling behind.Third,from the perspective of profitability,the cost-income ratio,non-interest income ratio,and deposit-loan ratio have a negative impact on the profitability of commercial banks,while the provision coverage ratio has a positive effect on the profitability of commercial banks.influences.Fourth,the proportion of non-interest income has different effects on the profitability of commercial banks of different sizes.Fifth,the increase in the proportion of noninterest income will directly have a negative impact on the profitability of commercial banks,and will also weaken the positive impact of the provision coverage ratio on the profitability of commercial banks.