System of joint-stock commercial bank's core competitiveness analysis and analysis of the impact of

Abstract: As the new force of the joint-stock commercial banks in the banking industry after 20 years of rapid development, China has become an important part of the financial system, but because of institutional change "path dependence" and related institutional arrangements and institutional misconduct shortage, China's joint-stock commercial banks from the whole system there are still many problems, therefore, improve the joint-stock commercial bank with a sound institutional arrangements, to build a strong corporate culture is positive joint-stock commercial banks to enhance the core competitiveness of the key.

Keywords: joint-stock commercial banks; path dependence, institutional shortages

Introduction of China's joint-stock commercial banks in the country from a planned economy to a market economy in the process of birth, charged with the introduction of market competition mechanism and the reform of commercial banks to explore the dual mission of the road since 1986, the State Council approved the re-formation of the Bank since the Bank of China sector reform and development has entered a new phase, joint-stock commercial banks after 20 years of rapid development, China's financial system has become an important part and some joint-stock commercial banks began to enter the international market as of end of June 2005, the national joint-stock commercial Bank has reached 12, with total assets, deposits and loans reached 5.24 trillion yuan, 4.46 trillion and 3.23 trillion yuan, but because the institutional arrangements and shaping corporate culture, there are still many problems, such as the lack of a system, path-dependent , the concept of lag and other issues, this article from the perspective of enhancing the core competitiveness and explore joint-stock commercial banks, improve the system and integrity issues.

A theoretical review system under the early school of economics and new institutional economics point of view, it is the system can be divided into formal and informal two kinds of generalized system of both the formal system, including the informal system, the two are complementary . formal system, also known as a formal constraint is that some of the code of conduct, which in some clear form been determined, and the perpetrator's organization to monitor and ensure the implementation of coercive force due to the dynamic sense, The formal system is a point in time the system changes as a result of the existence of the so formed by means of different formal system, we have a formal system is divided into two categories: one is to adapt to the requirements of the informal system appears after the system-makers through confirmation of a formal system, called "induced changes in type," the formal system, and the other is that people consciously designed and created rules of conduct, called "mandatory change type" formal system of the informal system, also known as informal constraints, is that people in long-term exchanges of people spontaneously and was unconscious acceptance of a code of conduct, including ethical values, customs and cultural practices, ideologies and so on.

From the name of view, is a special joint-stock commercial bank business, reflected in its product offerings is not a physical entity, but the value of virtual symbols, provide substantial support behind the credit, rather than the condensation products of the general product quality, but from the essence, as the operating business organizations, commercial banks and enterprises in general there is no difference, we need effective institutional arrangements to resolve the internal costs of cooperation between people in order to minimize friction to achieve the target consistency and efficiency to maximize its key through the system level to solve the boundary between people's right to define, so that each employee is expected to establish a good, therefore, the general enterprises, joint-stock system commercial bank's core competitiveness, the basis and source, which is reflected in the following two aspects:
On the one hand, the system is a joint-stock commercial bank to form the basis of core competencies: (1 system from the ideals and beliefs, the value of response, ideas, behaviors, knowledge, skills, etc., determines the overall quality of the workforce, as the core competitiveness of the formation of lay the basis for the concept of platform and intellectual. In some ways, the nature of corporate personality from the personality system, (2 system as an important part of modern enterprise management, enterprise sustained, rapid and coordinated development of the guarantee. the development of foreign enterprises successful practice has shown that the system contains the scientific management ideas, open management style, patience management tools continue to promote the management of progress, to meet the needs of enterprise development, to promote and facilitate the formation of core competencies and improve, (3 system determines the ability to integrate commercial banks, the core competitiveness of the formation of adhesive. good corporate culture can make a strong cohesion of the whole bank as harmonization, and constantly promote the core competitiveness of the formation and development.

On the other hand, joint-stock commercial bank system is the core competitiveness of the main components: (1 system because of different commercial banks will be different, in the course of commercial banks also formed long-term development of commercial banks in different values ​​and philosophy it difficult to be imitated by competitors and other companies, it has the characteristics of core competencies, (2 system in the form of philosophy and values, once "in" and must have a powerful normative force, making the movement of people criteria, and will certainly lead to a lasting impetus for people to actively seek to achieve the stated objectives, (3) formation of the system is a process, it is subject to business growth process, which in turn affect the long-term development. can be planning, building, communication, the basic characteristics of the system. system as growth factors, become the focus of corporate management. Links to free download http://www.hi138.com

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