Studies On Market Orientation And Development Of Small & Medium-sized Commercial Banks

Small and medium-sized commercial banks are an important component of China's financial system. A sound banking system by the big banks and small banks must coexist, if only by a few large banks. Bound to result in a monopoly, which is not beneficial to improving banking efficiency, not healthy to competition, not conducive to survive in the fierce international competition. Furthermore, a variety of ownership of SMEs has become one of the pillars of the national economy. The main target for the development of small and medium-sized enterprises is to help promote small and medium-sized banks healthy and stable development, achieving foster competition, the goal of improving the banking system. With the relaxation of financial controls, and state-owned banks and small banks are facing the growing strength of the competition. China also will have to cope with the continuous influx of competition with foreign banks. Under such circumstances, how to get a majority position in a bank is the small and medium-sized banks, the correct position and orientation of the development of small and medium-sized banks is the key to survival; Secondly, In light of the characteristics of China's economic development to the development of small and medium-sized banks, instead of blindly imitating the study abroad experience in the development of small and medium-sized banks. And state-owned banks, compared to small and medium-sized banks have their own comparative advantages ~ comparative advantage of lower transaction costs, market efficiency advantages, advantage of the strong operating flexibility and adaptability. But China's small and medium-sized commercial banks do not have such comparative advantages into full play. Small banks are required to identify their competitive edge against its advantages and disadvantages and find a suitable development path. Small banks can achieve sustainable development. This paper is the development of small and medium-sized banks from the predicament, discussed and analyzed the current situation of the development of small and medium-sized banks in China. According to the development of the feasibility of development methods. This is the real significance of this writing.