The Development Research On Small And Medium Commercial Bank Of China

Stable and healthy development of small and medium commercial bank can help to realize stability of economy, aid to create a harmonious society. Since the 1990s, the whole world have given a rise to the upsurge of merging in the bank industry, developed country have more than 900 commercial bank' merging every year in the last three year of 1990s, the piece of the merging is 3 times those of 1990, and there is a tendency of growing in intensity .With the strengthening of opening to the outside world, promoting of economic reform, getting along with opening financial market in an all-round way world, small and medium commercial bank is in the relative weak place , its situation getting more rigorously day by day. The prospect of small and medium commercial bank, either merged , or coping with actively , promote themselves 'own competitiveness in an all-round way , participate competition. Generally speaking, choose one of the two, the key lies in the development strategy of the small and medium commercial bank. Generally, the small and medium commercial bank should participate in the competition actively, this text thinks that it is a more realistic and idea choice of small and medium commercial bank to specialize development.This text has carried on new analysis to the concept extend of the small and medium commercial bank again in term of developing at first; Secondly , according to reality , classify and review the developing history of small and medium commercial bank, and on the basis of this ,the problems badgering themselves' development are summarized; Thirdly, utilizing economics relevant theory, analyze existence rationality , existence necessity and living environment of small and medium commercial bank to their development prospect; Fourthly, in brief looking back small and medium commercial bank' development of America and Japan, and summarize their valuable development experiences, point out a better road for small and medium commercial bank of our country; Finally, from the property right, market orientation , products , organization framework , the service , corporate culture , strategic alliance, restructure the specialized development tactics of small and medium commercial bank.This text, using economics , finance studying and relevant principles of natural science, carry out research to the development of small and medium commercial bank of our country. Using comparative analysis, theory model and positive research, analyzes existence rationality, existence necessity, living environment of the small and medium commercial bank of our country. With the development experience of small and medium commercial bank in Japan and U.S.A, propose specializing development tactics. In a word ,this text offer a specialized development method for small and medium commercial bank of our country , paying attention to the norm and real, generation and specialization during the process of analyzing.