The Research On The Development Strategy Of City Commercial Bank

For a year or two,all kinds of Signs show the large-scale reconstruction and integration of city commercial bank has lifted the curtian quietly, the pattern of city commercial bank is going to reshuffle. The city commercial bank who is faced with a life and death crisis must choose between development and withdrawal from market.The reconstruction and integration may be a rare opportunity for expansion if they are very good., however, it is cruel challenge for most city commercial bank. Survive or die ? this is the question that is hard to answer but can't avoid answering for city commercial bank.How to survive smoothly in this wave and get rid of the historical burden ,increase strength of their own,so that to achieve legendary phoenix bird nirvana, is an enormous challenge for the manager of city commercial bank. Although < The Outline on the Supervision and Development of City Commercial Bank> which China's Banking Regulatory Commission has issued , put forward proposals and directions, which aimed at palliative question such as risk management ,Capital adequacy rate ,percentage of coverage for loan implementation and all-wave reform for city commercial bank. So far, more measures which effect a permanent cure hasn't been treated deeply. So the researth on this qustion is not only meanful in reality.,but also directed and pragmatic. in this article,I will try my best to this qustion.Firstly , this article will expound simply the course of development of city commercial bank,and then analyze the problem that city commercial bank is facing with and dissect the root cause of the problem;then, analyze the possibility of development and forecast the room for development,on this base, probe the development strategy, this is the core qushtion we want to solve.In the method of research ,this article is based on the theory such as industry organization, market position. model and so on, our research also takes practical situation such as financial environment , system background into consideration . Predominant characteristic of this article is that we will give our design proposal for some important theories after systems analysis,also including cases argument , empirical analysis as well as recollection and proposal for cases. Subsequently.By this way case study and overall character, theoretical study and real operation are united. At the same time, in order to strengthen the effect of argument we apply theorymethod of comparative analysis ,qualitative analysis and quantitative analysis in timein this article.