经过十余年时间的发展，城市商业银行取得了很大的成绩，但在银行业日趋激烈的竞争中，
我国城市商业银行仍普遍存在经营定位不准确、资产规模及质量低下、业务单一、创新意识不够等一系列现实问题。运用因子分析方法对城市商业银行竞争力的各项评价指标进行综合分析可以看出，六个样本银行中的三家上市城市商业银行在竞争力表现上较为突出，但与全国性股份制商业银行相比，在资金盈利能力、人才培养和业务创新能力等方面仍然存在一定得差距。提升城市商业银行的竞争力，首先要解决的问题就是科学地进行市场定位，在此基础上去发展中间业务，加大金融创新力度才是行之有效的措施。
关键词：城市商业银行；股份制商业银行；竞争力
Abstract
After more than ten years of development, city commercial bank has made great achievements, but in the increasingly fierce competition in banking, city commercial Banks in China is still widespread business location, size and low quality, assets, single business innovation consciousness not and so on a series of questions. Using the factor analysis method of city commercial bank's competitiveness evaluation index of the comprehensive analysis can see, three of the six samples in city commercial bank listed in competitive performance, but compared with the national share-holding commercial Banks in the capital, talent cultivation and profitability, business innovation ability still exist certain disparity. Ascend the competitiveness of city commercial Banks, the first to solve the problem is to conduct market positioning, based on the development of the intermediate services, increase up financial innovation is the effective measures.
Keywords：urban commercial banks; shareholding commercial banks; competitiveness
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