The Intermediate Business Strategy Of The Small And Medium-sized Joint-stock Commercial Bank Of China

With a short history and just being a small part in the national economic system, the small and medium-sized joint-stock commercial bank of China plays an important role in the operating of national economic system and the reformation of financial system. They import new operating system and new operating idea which make them more near to the market. With the small and medium-sized joint-stock commercial bank of China developing, the monopolization of Chinese state-owned banks is gradually perishing. All these improve the financial service level and quality. But recently, under the competition between the state-owned bank and the foreign bank, it becomes more difficult for the small and medium-sized joint-stock commercial bank to subsist and develop. Under such situation, the most effective way to get over such problem is to choose the right strategy, especially the intermediate business strategy.This paper is focus on the intermediate business of small and medium-sized joint-stock commercial bank of China. Its research is carried out according to the technique of strategy analysis . Not only the strengths and weakness but also the opportunities and threats to the small and medium-sized joint-stock commercial bank of China can be abtained by SWOT analysis . The competitors, potential incomers, suppliers, consumers and substitutes can be achieved from Five-force competition analysis model. On basis of those analysis, it can be concluded that the differentiation and growth strategy is the best choice for intermediate business of the small and medium-sized joint-stock commercial bank of China, and it is very important that it can be effectively carried out by better service , reformation of orgnization structure , financial innovation and risk prevention etc.