Research On Influencing Factors Of Listed Banks’ Competitiveness Based On TOPSIS-factor Analysis Model

Since 2020,there have been a series of changes in the operating environment of the domestic banking industry.First of all,the new crown pneumonia epidemic has been repeated,and local governments have strictly prevented and controlled to achieve dynamic clearing.Regional closed management has brought new challenges to the operation of the domestic banking industry.Secondly,the regulatory authorities continued to rectify the chaos in the banking industry,new regulations on risk classification,assessment methods for systemically important banks were successively introduced,and the macro-prudential assessment system was further improved,all of which put forward higher requirements for bank credit risk management.In addition,under the supervision and guidance to strengthen the disposal of stock risks under the epidemic situation,it is urgent for commercial banks to dispose of non-performing assets and reduce the rate of non-performing loans.In this context,this paper explores the factors that affect the competitiveness of listed commercial banks,and puts forward relevant suggestions to enhance competitiveness.This paper takes 30 listed commercial banks from 2013 to 2020 as a sample,refers to the literature on the factors affecting the competitiveness of commercial banks,and selects total operating income,operating income growth rate,net interest income growth rate,total assets,asset growth rate,loan growth rate ratio,deposit growth rate,loan provision ratio,non-performing loan provision coverage ratio,provision adequacy ratio,core tier 1 capital adequacy ratio,capital adequacy ratio and other 12 financial indicators,using factor analysis to analyze the cross-section of each commercial bank The data is analyzed and researched,and the traditional factor analysis is limited to the analysis and research of the cross-sectional data.The shortcomings of the analysis and research have been improved,and the panel data is researched and analyzed by establishing a TOPSIS-factor analysis model.The highest and lowest comprehensive factor scores of each year’s cross-sectional data are used as the optimal and worst vectors respectively,and the TOPSIS method is used to obtain the closeness of each sample factor’s comprehensive score to the optimal factor scheme.The comprehensive competitiveness score ranking of sample commercial banks from 2013 to 2020 is described by the closeness of the optimal factor scheme of the model,and the ranking is explained.Comparing and studying listed commercial banks with excellent public factor performance and top competitiveness,it is found that listed commercial banks can influence business structure,core capital,total assets,financial technology,preloan customer selection,business product diversification,and branch coverage.and financial ecosystem,so as to achieve the purpose of enhancing competitiveness.In view of the research conclusions of influencing factors,this paper puts forward the following suggestions: fully tap retail customers and small and micro enterprise customers to increase profit income;adopt a combination of internal and external supplementary mechanisms to supplement capital;cooperate with Internet companies to accelerate financial technology application;focus on customers,increase product R&D and innovation;do a good job in the establishment of outlets and expand rural channels;actively build a financial ecosystem and create scene ecological characteristics.