Abstract
The competitiveness of commercial banks are own stronger profitability than its competitors under the condition of regulated operation. This dissertation is aiming to research some aspects of the competiveness among the jointstock commercial banks, large state-owned commercial banks and city commercial banks, and further analysis the own situation of joint-stock commercial banks. The research showed that Joint-stock commercial banks showed an outstanding performance on its profitability and growth ability the innovation ability, growth rate was faster than state-owned commercial banks. It is very important to enhance the innovation ability of intermediary business for improving the competitiveness of the joint-stock commercial banks. Keywords—competitiveness of commercial banks; innovation ability; Factor analysis; joint-stock commercial banks
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