The Comparison Of The Development Of The Small-medium Banks In America And Japan

Since 1980s, with financial deregulation in many countries, the trend toward total business and large institution has became the mainstream of global banking all over the world. This kind of trend has posed the serious threat to the existence and developments of the small-medium banks in all countries, but it can not destroy the living space of the small-medium banks that are good at the innovation and can keep the competition ability through a special and personal service. whether the small-medium banks can exist and develop in the globalization ages, in addition to the effort of the oneself, also return to the exterior related environment. The comparison of the small-medium banks in different countries should have benefit to seek the healthy way of it in globalization era. The community banks of America and the regional banks of Japan have taken on different trends of development in the wave of Financial Liberalization since 1980s.The one of America standed the impact of the Financial Liberalization, and recovered quickly; the other one then got into a difficult position under the double pressure of the long-term depress after the bubble economy and Financial Liberalization. In order to find out the reason that caused the different ends and the factors that influence the development of small-medium banks, this paper focuses on the comparison of market location and the related environment of the small-medium banks in America and Japan . At first, the paper introduce the basic situation of the American community banks and Japanese regional banks, including concept, character, the road of development, use. Then a special emphasis is placed on the comparison of market location and the related environment of small-medium banks. The market location is composed of client location, area location, product location. With the comparison of the three locations, we can see the difference in compitible mode. With financial regulation, the outer related environment comprises competition regulation, sound regulation, protective regulation. The difference in the three regulations have great influence on the small-medium banks. In the end, the paper draws a conclusion: an accurate market location and the complete related environment are essential for the healthy development of small-medium banks. The complete related environment is comprised of support and rein. This conclusion announced the important influence factors for the development of the small-medium banks, having important enlightening function on the development of the small-medium banks in our country.