The Research On Evolving And Governance Problem Of Urban Commercial Bank

As the outcome of china's financial system reform, urban commercial bank have shown great vigor in various aspects of the financial market, which result in its position as the third force in china's banking industry. Owing to its being a result of the special historical time in the development of the china's economy as well as its special position in this process, the urban commercial bank will bring greater and greater impact on the development of national economy. At the same time, there are still many issues in its operating process which need further improvement. Just for this reason, we need to study the transitional course of urban commercial bank by the reference of the relating international experience to find an effective way of improving its competitiveness, which have both important theoretical and practical value.Urban credit cooperation, the predecessor of urban commercial bank, which once played an important role in the social and economic development during the initial stage of China's reform and opening-up, has some disadvantages which can not be overcome by itself. In order to eliminate these disadvantages and meet the need of social economic development, urban commercial bank has been set up on the base of original urban credit office . With the deepening reform of financial system and china's entering WTO, the urban commercial banks have changed itself again to meet the social and economic development. Through analyzing the historical process of its development, this article divides this process into three development phases, namely, the phase of the urban credit cooperation, of the urban commercial bank, of the listed urban commercial bank. On the basis of analyzing the features the reasons in the process of its development and change, this article will study the managerial structure and existing problems in each phrase. When finding its own reason, we also will analyze the relevant economic and social situations, and compare it with the development of the similar small and medium bank in foreign countries. The purpose of these analysis and statement is trying to describe the coherent and objective route of its development, which not only has the support of theory, but also can suit the past and current situation and forecast the future. At last, we can find the effective way to improve its governance structure and competitiveness.