A Proposal To Raise The States Of Small & Medium Sized Banks In Current Bank System

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, institution network problem and market credit standing; the enterprise 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 actuality of the current small & medium sized banks, referring to the experience of America, this article would try to put forward a proposal to raise the states of small & medium sized banks in current bank system.