Research On The Competitiveness Of Listed City Commercial Banks

Since the reform and opening up,China has formed non-banking financial institutions including large state-owned commercial banks,joint-stock commercial banks,urban commercial banks,rural commercial banks,rural cooperative credit cooperatives,trust companies,and securities companies.The financial system of a financial institution.With the continuous opening of the financial market,the functions of various institutions complement each other,cooperate with each other,and develop together,and the financial system is becoming more and more perfect.In the course of China's economic development,the banking industry,which is dominated by the banking industry,has promoted the allocation of market resources and contributed an important force to the economy.In recent years,as the main force of the "third echelon" of China's commercial banking system,urban commercial banks have developed rapidly,their market shares have continued to expand,and the growth rate of assets has ranked among the top banking financial institutions in the country.An important part of our financial system.However,the current interest rate marketization reform is further deepened,social financing channels are increasingly diversified,and the strong rise of Internet finance represented by third-party payment has brought a serious impact on its traditional service concept.There are huge challenges in this respect.At the same time,due to the further slowdown of economic growth and structural adjustment,urban commercial banks are facing pressure on credit risk exposure and difficulty in risk management.Under the double pressure of severe external environment and self-reform,the key for urban commercial banks to overcome their shortcomings and maintain a steady development is to cultivate and enhance their own competitiveness.Based on the existing research literature at home and abroad,this article selects Jinshang Bank as the research object,based on the theoretical basis of corporate competitiveness and the comprehensive competitiveness evaluation system of commercial banks,from the external environment of competitiveness,potential competitiveness and actual competition Three aspects of the comprehensive analysis of the competitiveness of Jinshang Bank to understand its development status.On the basis of the above,construct financial indicators from three aspects of competitiveness,select the relevant financial indicator data of Jinshang Bank and 24 other domestic listed city commercial banks in 2018 as a sample,and use factor analysis to synthesize the competitiveness of Jinshang Bank Ranking,the results ofthe study found that Jinshang Bank ranked 18 th,with a low ranking and poor competitiveness.This article believes that we should take into account the actual situation of Jinshang Bank to take measures to improve profitability and grasp development trends;strengthen risk management and control and improve asset quality;clarify market positioning and improve asset and liability capabilities;strengthen capital management and capital replenishment and improve capital structure;Governance,improve operational management capabilities;promote business innovation,enhance development capabilities;improve employment mechanisms,improve employee literacy and other countermeasures.