Under The New Situation Of China's City Commercial Banks In The Diversified Development Of The Road

China's city commercial banks after the reform and development in recent years,up to December 31,2008,city commercial bank's capital adequacy ratio attains a designated standard completely,city commercial banks average capital adequacy ratio amounts to 13%;The loan loss preparation coverage fraction enhances largely,city commercial banks loan loss provisions also achieves 114%;a record high level of profitability in 2008,small and medium-sized commercial banks profit of 125.2 billion Yuan,up 53%,as compared to the same period of last year; non-performing loan ratio fell to a record low,city commercial banks non-performing loan ratio fell to 2.3%,which is the highest level in history;the number of cases and amount involved in the case at a relatively low level,city commercial banks in the incidence of cases declined 65% over the previous year.These statistics show that:China's city commercial banks after the reform and development had been made significant progress.China's city commercial banks before the situation and great changes have taken place.In 2007,Bank of Nanjing,Bank of Ningbo and Bank of Beijing three city commercial banks successfully listed,which has the milestone-like significance to the city Commercial bank development;Changed the name,across the region development,the introduction of strategic investors,union reorganization,such as the path of development and reorganization has emerged a wide range of trends.From the external environment,on December 11,2006 our country realizes "entering the market" to pledge:The Chinese financial industry opens comprehensively, which makes China's financial industry more competitive.And China's city commercial bank is the product of reform of the financial system in China,and sets up in the urban credit association foundation,also has many problems in the developing process:The market share is somewhat low,the company management structure is imperfect,the market locates is unreasonable and so on.Speaking of the article structure,the article firstly gives an overview of China's city commercial banks face the history and the new situation,and then from the theory of industrial organization and efficiency,and analyzes China's city commercial banks of the existence and the development of the feasibility and necessity;behind points out the China's city commercial banks existing problems in the development,and learns from the U.S.experience in the development of community banks,finally comes to the conclusion that China's city commercial banks follows the road of multi-channels of development:the high-quality urban development should achieve a leap in the development;the medium-sized city commercial bank unites the reorganization;the high-risk city commercial bank withdraws from rationally.Therefore,China's city commercial banks because of its larger difference,city commercial banks should adopt a path of diversification,according to their own situation to take a different path of development.