The Analysis Of Nanning City Commercial Bank's Completive Strategies

Since Chinese financial market becomes more perfect and open, there are some commercial banks which have clear property structure, Precise market Location, vivid brand figure and proper modernized operation. They bring hone bacon and fierce impact to traditional banks' management concept. AII banks their strategy views and cultivate their advantages of resource in order to occupy their markets. Most of city banks have lost the markets. The reasons are simple .Firstly, considering financial scale ,web cite construction and credit assurance , city banks are weaker than others, so they don't benefit from the low cost that comes from scale economy . secondly, their products are easily emitted by their opponents because they are scarily different from their opponents'. To resist and develop Nanning commercial bank, one of city banks, must keep eyes on the development of moderate and small businesses which provide above 60%of GDP increasing rate and are very important to keep a stable society and healthy economy. The moderate and small enterprises always require the loans that must be emerge-provision, higher-frequency, smaller-amount, larger risk and higher cost of management. Simultaneously, to the moderate and small enterprises, being lack of necessary system of credit judgment and credit management ,large banks are difficult to mortise them, even reluctantly consider them. All these things limit the development of...