Study On Developing Of Small & Medium Sizded Commercial Banks In China

Small & medium sized commercial banks have been the emerging new blood of the commercial banking system in our country. At the meantime, they are facing some serious problems: the further developing has been confined because of the historic reason, institutional network problem and market credit standing; the enterprises lack enough ability to manage or to practice effective internal controls; the financial products are lack of their characteristic; the financial business category is dull, the business scope is limited as well; and the financial services couldn't meet the demands of the small & medium sized enterprises and personal citizens. All these have been threatened the banks' healthy developing, even their surviving in the near future. In order to solve these problems, it must carry out the system reforms including that the supporting policy the government provides , the strategy orientation and the system norms of the banks themselves.Basing on the analyzing the existing problems and the developing prospect of the current small & medium sized banks, guided by the economic theories, this article would try to find effective ways to solve the problems of current banks.