The Research For The Problem Of Developing Stratagem Of Middle And Small Commercial Bank

As one important part of financial system in China, Middle and Small Commercial Bank(MSCB)has special improving function to our economics. With the development of financial gobality, banks purdasing becomes more and more .How can MSCB survive under this circumstances? So it's important for us to investigate and analysis the question about the survive of the banks and the way of their development.This thesis states the meaning of MSCB, through situation of MSCB and experience of foreign MSCB. On the basis, this thesis provides the stratagemical development way of MSCB. Especially, using positivism to explain the connection between scale economics and efficiency of MSCB, using "ROA" "ROE" to contrast between commercial bank and MSCB. Through these research , we can know scale efficiency on MSCB as the same as others, so it should be using regroup and rebuild on MSCB while not adding scale. Based on these, we concluded three points about MSCB reformation :reground, rebuild and exit.Then the thesis consider that MSCB should choose distinction stratagem. Based on it, the thesis especially discuss that, as one important part to build up distinction stratagem ,the appropriate customer to MSCB should be middle and small corporate, from risk and revenue, improving financial service and developing middle and small corporate in our country.