随着中国加入WTO，中国金融逐步与世界接轨，外资银行也不断进入我国。同时， 我国银行业面临着互联网金融冲击，利率市场化改革等复杂多变的国内金融形势，这些 都对我国商业银行竞争力的提升产生了重要影响。在这种背景下，商业银行如何提高自 身经营管理能力，以求在激烈的竞争中保持不败，是必须认真思考的问题。而客观、全 面地对商业银行竞争力进行评价，使其明确自身在行业中所处的地位、不足和改进的方 向，是商业银行提高经营管理能力、增强竞争优势的前提和重要环节。所以，对商业银 行竞争力进行研究具有重要的意义。 本文首先介绍了竞争力及银行竞争力的相关概念及理论。其次，结合银行发展情况， 构建了包括盈利能力、风险控制能力、发展能力、市场占有能力、公司治理能力以及创 新能力的商业银行竞争力评价指标体系。在实证研究方面，首先采用层次分析法确定指 标权重，考虑到银行竞争力及其相关因素是一个灰色系统，本文采用灰色关联分析法建 立灰色综合评价模型，利用20082012年的面板数据，对我国上市商业银行竞争力进行 排序。随后，从静态角度对2012年的实证研究结果进行详细分析，再利用20082012 年的数据，从动态角度分析了上市商业银行在这五年内竞争力的变动趋势及其内在原因， 从而进一步了解我国商业银行的竞争力情况。 实证研究的结论和前人的有关研究相似，符合实际情况。结果表明：国有银行中建 设银行和工商银行的综合竞争力较强，农业银行最弱；股份制银行中的招商银行和民生 银行综合竞争力较强，华夏银行较弱；城市商业银行中的宁波银行综合竞争力较强。2012 年，兴业银行综合竞争力最强，平安银行最弱。从整体来看，我国上市商业银行整体发 展较好，但仍存在资本充足率低、资产质量低、创新能力不足以及公司治理结构不够完 善等问题。据此，本文针对这些问题提出了提升我国商业银行竞争力的对策和建议。

With China's accession to WTO, foreign banks continue to come into our country, which brings fresh blood to our financial industry, also meanwhile brings great pressure and challenge. At the same time, the domestic financial situation is complicated, including the domestic market-oriented interest rate reform, the rapid development of Internet finance and other, which brings new pressure to the traditional commercial banks and affects the competitiveness improvement of commercial banks in China. In this context, in order to remain unbeaten in the fierce competition, how to improve the management ability is the problem that must think about seriously. The competitiveness of the commercial banks should be evaluated objectively and comprehensively. Then making it clear its own position, shortage and improvement direction in the industry included, is the premise and key links for the commercial banks to improve its management ability and strengthen its competitive advantage. So the research on the competitiveness evaluation of the listed commercial bank has important practical significance. Firstly, the competitiveness and its related concepts and theories will be introduced. Secondly, in combination with the practical development of the banks, the commercial bank competitiveness evaluation index system including profitability, risk control ability, development ability, market share, corporate governance and the innovation ability will be built. In the empirical study, analytic hierarchy process will be used to determine the competitiveness index weight. Because the bank competitiveness and its related factors are a grey system, the method of the grey relational comprehensive evaluation will be used to establish the grey comprehensive evaluation model. The panel data of 2012 will be used to have the grey correlation analysis for the 16 listed commercial banks of our country. Then, from the view of the static, the empirical research results of 2012 will be made. In order to further understand the competitiveness of commercial banks in China, the trend of 20082012 dynamic change will be made from the view of the dynamic. The results are similar to the previous and are accord with the actual situation. The results show that about the comprehensive competitiveness, China Construction Bank and Industrial and Commercial Bank in the state-owned banks is much stronger, the Agricultural Bank is the weakest; Merchants bank and Minsheng bank among the Joint-stock Banks in China is stronger, Huaxia Bank is weaker. In the city commercial bank, Ningbo City Commercial Bank owns a strong comprehensive competitiveness. In 2012, the comprehensive competitiveness of Industrial Bank is the strongest, Pingan bank is the weakest. Though the listed commercial banks in China are in a good development, the capital adequacy ratio and asset quality is still low, the innovation ability is not strong, and some problems such as the structure of the imperfect corporate governance. On this basis, aiming at these problems, the suggestions and countermeasures will be put forward to improve our commercial bank competitiveness.