The Research Of Merger And Efficiency On City Commercial Bank In China

Along with China’s economic development, China’s city commercial banks appearedand become excellent, and it has gone through three stages, the stage of city creditcooperatives, the stage of city cooperative banks and the stage of city commercial banks.Each change of city commercial banks as the China’s economic has been changed. Citycredit cooperatives had been set up at the beginning of China’s reform and opening, andpromoting the economic at the same time, had been ended at the time of market economyinstead of planned economy and becoming the main form of our country. City commercialbanks began in the establishment of China’s market economy. With China’s accession tothe WTO and our market is opening up in a deeper level, the overall strength of China hasa huge development, city commercial banks is also has been a rapid growth on this basisand have seat in China’s banking industry. But with the deepening of the openness, theforeign banks have infiltrated in our banking industry slowly. Facing the fierce competitionof the large state-owned and state-owned banks and foreign banks, city commercial bankshow to choose a right way to development is an imminent problem.First summarizes the three large-scale M&A wave in the world, and then analysis thehistory, asset and problems of city commercial banks. And we know that there is a need toseek new development in China’s city commercial banks. The good news is China began toattempt to mergers and acquisitions in the level of small and medium banks from1990s.Huishang Bank’s successful of merger and reorganization in2005provide a way to explorethe development of a valuable experience for China’s small and medium banks, andopened the prelude to China’s city commercial bank mergers and acquisitions. JiangsuBank was established by merger and reorganization in2007, Shandong city commercialalliance founded in2008, there are more success case throughout China.The author analyzed the Huishang mode, Jiangsu mode and Shandong mode from thebackground, development and innovation, and then analysis the alliance efficiency ofHuishang Bank, Jiangsu Bank and Qingdao bank, from what we verify the impact of themerger and reorganization of banks and draw conclusions from it.