Empirical Test on Building up Competitiveness Appraisal System of Joint Stock Commercial Banks in China

Joint stock commercial banks are very important for a nation’s financial development and operation of the banking sectors. Whether the competitiveness can be appraised objectively or not is very significant for financial sector healthy development and financial system deepening. Based on describing the research status, the definition of joint stock commercial banks competitiveness is making sure, then the appraisal system is built up, at last empirical test and analysis are made with the samples of 11 joint stock commercial banks in China. The conclusion is that the state-owned joint stock commercial banks have comparative competitiveness. And the non state-owned banks still show the potential development, especially China Merchants Bank. All the joint stock commercial banks have good development environment, especially the state-owned banks. Some measurement can be taken to enhance their competitiveness gradually.