Analysis on the Competitiveness and Influence Factors of City Commercial Banks in Jiangsu, Zhejiang and Shanghai
分析了江浙沪8家城市商业银行的竞争力，发现浙江银行竞争力较高但金融危机后不良贷款率上升，影响因素包括经济金融环境、政府干预和发展战略。
City commercial banks play an important role in promote regional economic development and SMEs financing.This paper analyzed and compared 8 city commercial banks in Jiangsu,Shanghai and Zhejiang based on an applicable index system.The results indicate that competitiveness of city commercial banks is higher in Zhejiang,while lower in Shanghai.However,after global financial crisis in 2008,non-performing loan ratio increased and reserve coverage rate decreased in many city commercial banks in Zhejiang.The influence factors of competitiveness mainly includes economic and financial environment,government intervention and development strategy.Local government should gradually decrease holding ratio and administrative intervention,so as to increase independence and flexibility of city commercial banks.City commercial banks in Jiangsu,Shanghai and Zhejiang should implement a strategy that facilitates collaborative and diversified development,so as to improve overall competitiveness.