On The System Of Promoting The Development Of Medium And Small-sized Banks In China

Medium and small-sized banks are the results of commercial bank system transform. In the past decades, medium and small-sized banks have acquired great development, and have become an important part of finance community in our country. The development of these banks also promotes economy development and system transformation. Due to defect in system arrangement, especially system limitation, operation surroundings defect and faultiness of each regulation, medium and small-sized banks have had many problems, such as market orientation deviation, market share declining, capital shortage, ill assets increasing and yield descend which obstacle their development.The paper figures it crucial to establish financial system adapt to the development of medium and small-sized banks. They themselves should work hard to perfect property right system, standardize corporation structure, and convert management system, so as to exert their advantage in property right clarity, duty clear and mechanism flexible. Central bank should pay equal attention to supervision and service; the government should improve every rule and giveappropriate support to medium and small-sized banks. They cooperate to create an agreeable environment for the reform and development of medium and small-sized banks.The first chapter gives a brief introduction to ystem?and edium and small-sized bank?respectively as well as the definition of edium and small-sized bank? According to ystem determinism, the paper claims that the development of medium and small-sized banks is decided by system arrangement. The second chapter focuses on problems of medium and small-sized banks and the causes in system. The third chapter discusses the system arrangement of promoting the development of medium and small-sized banks, advocates co-effort of the government, central bank and medium and small-sized banks themselves so as to establish the development system of medium and small-sized banks, the core of medium and small-sized banks?reformation is to perfect property right system and standardizing corporation structure. Further more the third chapter demonstrates the feasibility of medium and small-sized bank going on the stock market.