Research On The Differentiation Competition Strategy Of Fuzhou City Commercial Bank

City commercial bank is a kind of local joint-equity commercial bank, which is established on the basis of urban credit cooperatives. It is one of the large and vital financial parts in our country's banking system. However, with the deepening of China's financial reform and the gradual exposure of financial risk, the vital part, having ever been active in the non-state economy, is facing the situation of being "marginalized". What all the city commercial banks are concerned of is how to become much bigger and stronger.As the first local joint-equity commercial bank with independent legal entity qualification in Fuzhou, Fuzhou City Commercial Bank was found in December 27,1996. At present its comprehensive competitive power is above the mid-level over 140 city banks of China. It will not only be good for promoting its healthy development but also will be a strong reference for other city commercial banks, by studying on Fuzhou City Commercial Bank's differentiation strategy, finding its problems, and seeking the related countermeasures.Following the main theory line of company competitive strategy-differentiation strategy-commercial bank differential strategy, and based on summarizing the development status of Fuzhou City Commercial Bank, the article analyses its external environment, researches its competition advantages and disadvantages under the model of SWOT, then puts forward several alternative competitive differentiation strategies for Fuzhou City Commercial Bank, they are product innovation differentiation competition strategy, product pricing differentiation competition strategy, banking business differentiation marketing strategy, banking service differentiation strategy and brand differentiation strategy. Finally, the article proposes some suggestions on how to advance the development of Fuzhou City Commercial Bank by competitive differentiation strategies.