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An Analysis and Assessment of Core Competence for Our Country’s Nationwide Small and Medium-sized Joint-venture Commercial Banks

Author: DuXuLi
Tutor: CaoTingGui
School: Southwestern University of Finance and Economics
Course: Finance
Keywords: Joint-stock commercial banks Core competitiveness Rating system
CLC: F832.2
Type: Master's thesis
Year: 2007
Downloads: 992
Quote: 10
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Abstract

With the deepening of the joint-stock reform of China's state-owned banks and foreign banks full access to the national small and medium-sized joint-stock commercial banks (hereinafter referred to as the \to survive in the highly competitive market environment and the sustainable development of the inevitable choice. However, although the core competitiveness theory and empirical research is already quite mature, the banking industry core competitiveness theory to study and solve problems are few and far between. In literature on the bank's core competitiveness gradually up, but most of the research is just to stay in China's four state-owned commercial banks, while there are few specialized literature depth study of joint-stock commercial bank's core competitiveness . Therefore, China's joint-stock commercial bank's core competitiveness, research space remains to be further widened, the level of research remains to be further deepen. To this end, the authors review the method can be used to analyze the competitiveness of banks on the basis of using the available data to evaluate the status of joint-stock commercial bank's core competitiveness, and proposed specific measures to build the core competitiveness of joint-stock commercial banks to survive in the highly competitive market environment for joint-stock commercial bank in the full liberalization of the financial sector and sustainable development of the lessons learned and theoretical guidance. The core competence is the continuous accumulation of knowledge, ability and effective combination is a dynamic ability to determine the bank's long-term trends and competitive advantage. Any business, if you can not have its own unique advantages, will eventually be brutal competition eliminated. China's joint-stock commercial bank as a national bank, the scope of its business with the state-owned banks, and from the early days of clear property rights, do not need to be listed before the \However, they are from the scale is only small and medium banks, at the same time from inception to the present, they seem to have been followed the trajectory of the development of state-owned banks. Obviously, this joint-stock commercial banks in China is quite unfavorable. In defining a joint-stock commercial banks in China, and briefly describes the basis of the significance of thesis and research methods, combing the concept of core competencies, while more mature theoretical studies of the core competitiveness abroad, here just introduced foreign some of the literature on the core competitiveness of the typical definition of the concept of core competencies, which can have a relatively clear understanding. Meanwhile, the paper will be the core of competitiveness associated with the concept of comparison, the distinction between. Furthermore, the paper also briefly describes the theory of modern enterprise core competitiveness of great practical significance. Then, on this basis, the paper describes the analysis and evaluation methods of the theory of the commercial bank's core competitiveness as well as the commercial bank's core competitiveness. The paper pointed out that the basic elements of the core competitiveness of commercial banks generally have eight aspects of technology and innovation, human resources, business processes, organization structure, systems, strategic positioning, corporate culture and risk management; pointed out that the general characteristics of the commercial bank's core competitiveness valuable superiority, heterogeneity, Imitability non-tradable, and self-reinforcing nature; highlight commonly used to analyze and evaluate the commercial bank's core competitiveness, DuPont analysis method, trend analysis, market value analysis methods, standards Poole bank rating methodology, Moody's bank rating methodology, the the new camel rating method, the evaluation criteria of the international competitiveness of the financial system established by the World Economic Forum and the International Management Institute in Lausanne, Switzerland, the British \ranking, as well as other domestic bank competitiveness evaluation method. At the same time, the paper also the comprehensive evaluation of these common analysis and evaluation methods, and pointed out the pros and cons of various methods. As a result, it is not difficult to know whether the various methods suitable for the analysis of China's joint-stock commercial bank's core competitiveness situation. Although these methods are not designed specifically for the evaluation of the commercial bank's core competitiveness, but in a sense, they can be used as the indicator of the commercial bank's core competitiveness. Of course, the controversy of the applicability of the various methods. By comparison, the rating system of the Research Department of China Merchants Bank launched in 2003 by the joint-stock commercial banks competitiveness relative to other analysis and evaluation methods, more comprehensive, more depth, more reasonable. Therefore, the thesis is the use of the Research Department of the China Merchants Bank 2003 study - the study of joint-stock commercial banks competitive rating system rating system, the empirical analysis of China's joint-stock commercial bank's core competitiveness situation analysis involving nine aspects: profitability, asset quality, corporate governance structure, management status, the influence of the company's brand, business innovation and technology level, capital adequacy, business structure and liquidity; individual score in these nine areas, respectively , and in accordance with a certain weight composite score. Obviously, nine are essential for every commercial bank, can be used as the evaluation criteria of the commercial bank's core competitiveness. Because the the general core competitive commercial banks are always strong profitability, good asset quality, sound corporate governance, good management conditions, brand influence, business innovation and a high level of technology, capital adequacy, and reasonable business structure and strong liquidity. Nine covered embodies all aspects of the commercial bank's core competitiveness, just consistent with the previously mentioned elements of the commercial bank's core competitiveness. Of course, this is not to say that commercial banks must be in nine areas are stronger than its competitors, it is only with the core competitiveness. Here mean that as long as the commercial banks has been its core competitiveness, this nine aspects together, it is better than the other banks, after all, nine can not be with each other completely independent, while on the contrary, they are interdependent. Of course, part of the joint-stock commercial banks insufficient information disclosure or other reasons is difficult to obtain the relevant data, the thesis analyzed the seven joint-stock commercial bank - China Merchants Bank, Bank of Communications, Minsheng Bank, Shanghai Pudong Development Bank, Huaxia Bank, Industrial Bank Shenzhen Development Bank. These banks were relatively better and relatively bad, and thus in a sense, still has some representation as well as convincing. Through analysis and evaluation of China's joint-stock commercial bank's ratings are relatively low, and the gap, which is the root cause of most of the joint-stock commercial banks in China does not have its own core competencies, or occupy a certain advantage in some respects, but also can not be used as its core competitiveness, so it is necessary for the recycling of the core competitiveness of China's joint-stock commercial banks. Papers for some of the problems found in the scoring process from market positioning, corporate governance, human resources, development of intermediary business, technological innovation, the seven aspects of the corporate culture, and cooperation with other financial institutions, China's joint-stock commercial bank's core competitiveness recycling strategy. Of course, the paper is not that good seven we will be able to obtain its own core competitiveness, but that only good seven, will it be possible to create a core competitiveness. In addition, the specific circumstances of each joint-stock commercial bank is different, and therefore should also be considered in the development of specific core competitive strategy, its own particular circumstances, specific conditions, in order to prescribe the right medicine. Overall, the focus of the paper is to analyze the situation of China's joint-stock commercial bank's core competitiveness and evaluation, because the only way to find the problem - are not optimistic about China's joint-stock commercial bank's core competitiveness. The main contribution of this paper the following aspects: one of the research literature as well as commercial banks of the core competitiveness of enterprises competitiveness analysis and evaluation method for the systematic combing and summarized as the main theoretical basis; core competitiveness point of view, an objective analysis of the condition of the core competitiveness of China's joint-stock commercial banks, the main problems of China's joint-stock commercial bank profitability is not strong, irrational business structure and corporate governance is not perfect, and in this basis, the proposed necessary measures to foster and enhance the joint-stock commercial bank's core competitiveness of China's joint-stock commercial bank activities to foster and enhance the core competitiveness provide some guidance, deepen the study of China's joint-stock commercial bank's core competitiveness, to a certain extent to fill the current gaps in research. Papers selected in the analysis and evaluation of the core competitiveness of China's joint-stock commercial banks, joint-stock commercial banks in 2005 data, can be said to be more timely data analysis, but also in the process of the selection of data, the paper carefully compare the source of the data, an effort to make the statistics unanimously agreed to increase the comparability. Course, there are many inadequacies. For example, the paper might have some data there is a slight error, but does not affect the results of the analysis.

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