Commercial Bank’s Competitive Power Change Analysis after Ten Years in WTO
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摘要: 以1995-2011年中国工、农、中、建四大国有商业银行和招商、民生等十家股份制商业银行的原始数据为样本,从各银行的资源状况、盈利能力、风险管理能力、资产流动能力和持续发展能力五个方面来评估中国银行业在加入WTO十年后的竞争力提升情况,在此基础上得出导致中国银行业竞争力变化的可能原因为金融深化程度进一步提高,金融体制改革完善了监管体系,金融基础设施明显改善以及国有商业银行初步奠定了现代公司治理基础。Abstract: The authors evaluate competitive power change of China's banking industry before and after it entered WTO from five aspects including resources status, profitability, capacity of risk management, asset liquidity and sustainable development with the sampling of original data of China's four biggest commercial banks namely Industrial and Commercial Bank of China, Agriculture Bank of China, Bank of China and China Construction Bank as well as ten listed banks such as China Merchants Bank and China Minsheng Bank. Furthermore, the authors analyze different factors that have possibly caused competitive change of China's banking industry:further improvement in financial deepening; the improved regulatory system as a result of the reform of the financial system; distinct improvement in banking infrastructure; and a modern corporate governance structure which has been briefly established in state-owned commercial banks.
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