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With the influx of foreign major commercial banks in China , China's major commercial banks in the face of unprecedented competition and pressure on the present , while the four state-owned commercial banks to complete a series of reform measures , including the four major banks to spin off non-performing asset reform , the adjustment of the structure of property rights , the reform of the management system , and the Bank of China , China Construction Bank , ICBC , Bank of Communications have listed . The non - state-owned commercial banks also actively participate in the competition in the domestic market , the occupation of the domestic market by virtue of their excellent management level , high-quality human resources structure , excellent service capabilities . The state-owned commercial banks or non- state-owned commercial banks , with foreign banks to carry out comprehensive competition , it was not enough . Therefore, a comprehensive understanding of the competitiveness of China 's commercial banks and gives countermeasures and suggestions to improve competitiveness is great theoretical and practical significance . In this paper, the influence factors of the competitiveness of commercial banks , the use of the theory of competitive competitiveness evaluation index system of commercial banks in China Panel Data Model and the establishment of the commercial banks competitiveness evaluation model , and finally by the China Financial Yearbook data an empirical analysis of the competitiveness of China 's commercial banks , reached the factors affecting the competitiveness of China 's commercial banks and nine commercial banks , real competitiveness , innovation , management , operating mechanisms , human resources and governance structure comparative analysis , and on this basis , the state-owned commercial banks and non - state-owned commercial banks were put forward development strategies and suggestions , and to play a guiding role in the development of China's commercial banks . The combination of theoretical analysis and empirical research is one of the characteristics of this article . The full text of most places have a system theoretical analysis and reality , potential , lasting three levels of competitive research framework throughout ; same time , the text of the use of a variety of analytical tools , and strive to make the analysis more thorough and more breadth , which , Panel Data model used in banking competitiveness impact of competitive comparative study of the factor analysis and the bank is the biggest innovation of this article .
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