By sleeting profitability, safety, liquidity, and diversified management indexes, evaluation on competence of 17 business banks is given through the method of factor analysis. The actual competitiveness and potential competitiveness of 17 business banks is analyzed from the aspect of asset quality, asset scale, capital safety, performance , and diversified management degree. The results state that small commercial banks such as Bank of Communications, China Merchants Bank and China Everbright Bank are better than state-owned commercial banks in aspect of diversified management degree and profitability, while state-owned commercial banks are better than small commercial banks in aspect of safety. Commercial Banks should improve their competitiveness from the aspect of diversification, profitability and safety because of the particularity of bank assets.%对比分析目前对商业银行竞争力评价的方法,选取因子分析法,通过盈利性、安全性、流动性、加入多元化经营指标等指标,对17家商业银行综合竞争力进行了评价.通过因子旋转结果对影响竞争力的因子进行分类,从资产质量、资产规模、资本安全性、盈利能力、多元化经营程度等方面分析了17家银行的现实竞争力、潜在竞争力.得出结论:交通银行、招商银行、光大银行等中小型商业银行多元化经营情况和盈利能力好于国有大型商业银行,国有大型商业银行资本充足率好于中小银行.由于银行资产的特殊性,在未来的发展中商业银行要兼顾多样化经营、赢利性和安全性等指标,从现实发展能力和潜在发展能力多方面提高自身综合竞争力.
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