| Have a far-reaching significance since the reform and opening up of China’s small and medium-sized banks in the development of economy and society, in recent years is gradually being restored and developed.In the network financial situation of the current complex, effectively solve the problems the development of small banks face in the mode of financial network, a correct understanding of the small bank advantage, RE market orientation of science, create a relaxed, fair competition environment and more favorable legal environment for the development, is the current I country authorities and small and medium-sized banks is an urgent need to study and solve the issue.In recent years, due to the need of the economic system reform, in1984, the people’s Bank of China formally exercise the functions of the central bank.In July24,1986, the State Council approved the establishment of the Bank of communications. Since then, in the people’s Bank of China for approval, founded CITIC Industrial Bank, Shenzhen Development Bank, Guangdong Development Bank and other10national joint-stock commercial banks, broke through the four specialized banks rule all the land situation.In1988, Shenzhen Development Bank took the lead to enter the capital market. In1995, the state decided in some economically developed city established the city commercial bank. So far, has set up116city commercial banks, including the Minsheng Bank, the commercial banks of the original, has become China’s first non state-owned enterprises the main investment established joint-stock commercial bank. Small and medium-sized commercial banks in the Chinese history tells us, because the inevitable relationship between commodity and currency of the necessity and the development of the market economy, it is necessary to promote the survival and development of small and medium-sized commercial banks, a ring at the same time it China’s network of financial development is essential.New forms of finance network finance is a combination of traditional financial mode and modern information network technology and produced, which meet the requirements of the times, is driving a occurs after network technology revolution of the most important economic changes. Therefore, in this sense, the development of traditional financial model and financial theory is the basis for the emergence and development of network finance, network finance is a result of financial innovation, which subverts the traditional financial pattern, brought new challenges to financial services. However, the network finance to reform in the management mode and the financial organization structure of the enterprises, small and medium-sized banks will reduce operating costs, improve the small and medium-sized bank financial service quality, promotes the small and medium-sized bank profit maximization. Any for-profit Financial Services Company will drive the potential benefits of integration,to economic resources, promote the development of network finance. So in the long run, the importance of network finance and social significance will exceed the traditional financial.In the era of network economy, joint-stock commercial banks not only face the fierce internal competition between the banking and finance industry, but also to face some non-financial enterprises competition from outside the financial services industry bank. In the mainstream trend of network finance, small and medium-sized banks must firmly grasp the development trend of network bank, the innovation to technology and services, and actively explore new ideas, make full use of the latest network technology, good market and product positioning itself, establish a brand image, establish their own brands, to strengthen cooperation with large banks, to provide more comprehensive functions, financial services, enhance the public’s sense of identity.In the process of network financial service development, must strengthen the construction of legal system to protect our country’s small and medium-sized banks, and the establishment of legal management system of financial network. Small and medium-sized banks use or accept network provides financial services when signing an economic contract, there are some legal problems, small and medium-sized banks on the relationship between legal rights and obligations will face considerable risks, it is easy to should not have disputes, leading to greater uncertainty results in both sides of trade transactions, increase the small and medium-sized bank network financial transaction cost and transaction time, these problems will affect the healthy development of network finance at present, China has initially established a trading on the net, computer security legislation, but can not adapt to the requirements of the times of network finance development. We should learn from the successful experience of other countries, to formulate and promulgate the relevant laws in the early stage of the development of network finance, such as electronic transactions, e-commerce security technology security law, and accelerate the pace of the network financial service industry legislation, modify the "contract law", other legal provisions to increase development of Central Plains of network finance the first is not suitable to the commercial bank law, the system to prohibit the use of computer crime, this also is the necessary means to promote our country small and medium-sized banks in the development trend of network finance from the legal point of view.In addition, the small and medium-sized banks to set up the good enterprise image, the most feasible approach is to learn from the experience of developed countries, compulsory insurance of the financial institutions to absorb public deposits, so that it can ensure the small and medium-sized banks pay to obtain insurance financial difficulties or bankruptcy situation timely financial assistance or deposit claims, to ensure that small and medium-sized banks. The deposit safety, enhance the small and medium-sized bank customer confidence, improve the small and medium-sized banks social image and reputation. We are in the age of the Internet Bank in such a large background, must think more, consider how to create the unique value of the medium and small banks, which is on the strategic level, small banks must seriously consider the issue. Small and medium-sized commercial banks in China’s history tells us, repels the market, thoroughly planned economy and commodity money relations distortions and ignorant, is the result of small and medium-sized commercial banks were made to "destroy" the key. In the network financial mode at present, the development of small and medium-sized enterprises have encountered the bottleneck. Can say, small and medium-sized enterprises have met with the small and medium-sized commercial banks dilemma. From the aspect of economy development influence, cross industry cooperation of small and medium commercial banks and small and medium-sized enterprises, not only can solve the financing problem of small and medium-sized enterprises, make essential contributions to the small and medium-sized enterprise force for the economic construction of local banks, and promote the healthy development of the financial market environment.In the network financial service mode, small and medium-sized banks in China is an important part of the financial system, plays a very important role in the national economy. However, with the opening of China’s financial market, the entry of foreign banks, more and more intense competitive environment, coupled with the impact of governance structure and the global economic recession and other factors, the development of small and medium-sized banks in China are facing enormous difficulties and challenges. Because the network finance is set up on the basis of network and information technology, so naturally along with the network technology to update and development, but also inevitable existence financial risk. But no matter how, network finance has expanded the connotation and form of traditional finance. In the network financial trend, technical support system security risk, network risk, technology risk time test of the small and medium-sized banks of network finance. This means that the network finance, small and medium-sized banks face is not only the security problem of network operation, also relates to other risks, such as credit risk, liquidity risk, settlement risk, technology risk. Therefore, after the financial crisis, small and medium-sized banks in China face more difficulty is a stage beyond the previous, many small and medium-sized banks increasingly difficult. Many scholars have analyzed though before, but from another angle to carry on the analysis, in this paper, focus on the analysis of the small and medium-sized banks in the external environment and internal environment factors, more of the time factor and the law restricting the development of small and medium-sized banks factor, and the countermeasures and development direction of network the small and medium-sized banks in financial analysis, starting from the novel point of view, this is the innovation of this thesis, that is from the operational level of personalized service as the center, technical analysis, expanding the business platform, the strategic level analysis for three levels deep cooperation in detail, and on this basis last, the developing direction and Countermeasures of China’s small and medium-sized commercial banks, this paper has a certain practical significance. |
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