Research On Competitiveness And Influencing Factors Of Commercial Banks In China

In recent years,while the economic globalization has developed steadily,China’s financial market is also constantly deepening reform,the banking industry is facing severe challenges while ushering in development opportunities,and the competitiveness evaluation and influencing factors of commercial banks are studied.It is of great significance to enhancing the competitiveness of China’s commercial banks.In this paper,59 listed commercial banks in China are selected as a research sample,and15 representative competitiveness indicators are selected in five aspects: capital adequacy,asset quality,management level,profitability and liquidity,and 201 2-2021 is collected The relevant data of the year has constructed a competitiveness evaluation index system for commercial banks,which is based on the factor analysis method and ranked by the comprehensive score obtained.On this basis,six influencing factors of risk management level,asset scale,equity concentration,board size,market share and employee work efficiency are selected as independent variables,and the influencing factors are obtained through regression analysis,and finally the results are discussed.The empirical results show that:(1)In recent years,the competitiveness of almost all commercial banks has decreased significantly.(2)The level of risk management,asset size,market share,and employee work efficiency are significantly and positively correlated with the competitiveness of commercial banks The concentration of equity is significantly negatively correlated with the competitiveness of commercial banks.(3)Different types of banks,the competitiveness influencing factors are different,the competitiveness of state-owned banks is mainly affected by the level of risk management;the competitiveness of joint-stock commercial banks is mainly affected by the level of risk management,enterprise scale,equity concentration,board size,The competitiveness of urban commercial banks is mainly affected by the level of risk management and the efficiency of employees;finally,the competitiveness of rural commercial banks is mainly affected by market share and employee work efficiency.Therefore,it can be seen that the influencing factors of different types of banks are different,and there are obvious heterogeneities between commercial banks.Finally,based on the above conclusions,the following suggestions are put forward: In the daily operation process of banks,state-owned commercial banks,joint-stock commercial banks and city commercial banks need to use more scientific evaluation methods to determine risks when issuing loans,issue loans reasonably,and increase the tracking and investigation of loans;joint-stock commercial banks should appropriately increase the number of board members,introduce relatively professional talents in corporate governance and operation management,and ensure the diversity of board members Rural commercial banks should clarify their own positioning,carry out financial innovation in financial products,financial service methods and business philosophy,so as to expand demand and increase market share;joint-stock commercial banks,urban commercial banks,and rural commercial banks need to conduct professional training for employees,improve the comprehensive ability of employees,and adjust the salaries of employees in various departments.