Small And Medium-sized Commercial Banks In China Development Research

Since reformation and opening in Chinese financial system, middle and small financial organization develops most fast and actively. Generally speaking, the group includes mainly city faith cooperative, agriculture faith cooperative, city commercial bank Ltd., transregional commercial bank ltd., and lots of financial mechanism of nonbank. Four state bank industry and commercial bank, agriculture bank, China bank, construct bank are main body of financial system in China, and share of there financial capital is seventy percent . The strength of middle and small financial organism is far inferior to four commercial state bank, but they are brisk in the whole economic and financial field, relying on unique vitality and energy. They play very important role in serving for middle and small enterprise, promoting increasing of local economy, enlarging beginning a job ,keeping stability and continuous increasing of macro-economy.The city commercial bank, as an important branch in the financial system, is facing a new problem during the reformation in the financial system. in the open macro-economic circumstances , how to cope with threaten form global competition and the participation of WTO, then how to develop itself in a competing environments and strengthen the comprehensive challenging power.From the angle of the present situation, exist superiority of middle and small financial organization, of this thesis the author comprehensively analyzed those banks exteriorly on their political, economic and business environments though the theory of strategic management .Having combined the present facts of china and advanced experience of foreign banks, and seriously analyzed the core competition capability of domestic middle and small banks , elaborate in the new form the middle and small banks how to choose the different development strategy, and carry out the control.