The Developing Strategy Of Medium-Small Banks In China Based On Comparative Analyses Of System

As Theories Frontiers of the development of contemporary Comparative Economics, comparative Institution Economics aim at combine the major contribution, such as Neo-classical Economics and institution Economics...etc, develop a kind of theory analysis frame which have identical inside logic to study a series important problems relate to economic system. The finance is the core of modern economy, the article use the comparative institution economics to analyze the financial system.At present, the developed country' s financial system may be divided into two kinds in general: one, market leading financial system which takes Britain and America as representative; Two, bank leading financial system which takes Japan and Germany as representative. The country which takes market leading financial system mainly advocate the arm's-length financing, the country which takes bank leading financial system is then take relational financing as the major type of financing prima. Not only has the country of bank leading financial system had relational financing, but also the country of market leading financial system. As the relaxing of financial Regulation, the banking industry more and more pay attention to the structure of capital and economies of scale, and whole world has produced banking industry's M&A, medium-small banks are experiencing the survival and developing crisis.This text is divided into four. Chapter 1 introduce the intension of financial system and the method of comparative Institution analysis by the research of financial system under comparative system, compare and analyze the arm's-length financing and relational financing. Chapter 2 research the relation between the development of medium-small banks and relational financing, think under the widespread existence condition of relational financing, need to develop medium-small banks, the medium-small banks if want to get sustainable development also need to develop relational financing. Chapter 3 is the part of international comparison, that is give experience to our country's medium-small banks develop relational financing by compare and analyze the development condition of medium-small banks in different financial system country. Chapter 4 put forward the countermeasures and suggestions to develop medium-small banks' relational financing in china based on the analysis of medium-small banks' development situation.