Study On The Development Strategies And Modes Of Small And Medium-sized Commercial Banks In Our Country

The development of small and medium-sized Commercial banks(SMCBs,refered to after) in our courtry plays a very important role in solving financing difficulties of small and medium-sized enterprises,in supporting local economy development; plays a very important role in promoting market competition for our counties's commercial banking,in activating competition vitality of state-owned commercial banks and nationwide joint-stock commercial banks,in improving the performance of financial markets;in optimizing the organization structure of China's commercial banks,in stalilizing financial ecological environment and other aspects.This paper aims at promoting the development of SMCBs, and researches the development and mode of development of the SMCBs in our country from three aspects. On the base of researching the characteristics,current developing situations and the important effects of the SMCBs, this paper first analysis the survival and development environment of the SMCBs form the commercial banks developing external environment aspects, and analysis the "diamond opportunity" of the small and medium-sized commercial banks in our country using the "diamond opportunity" model; Secondly, this paper analysis the Competitive Situation of commercial banks in our country and analysis the competition spaces and competition rivals of our country's SMCBs from the commercial banks internal market competition aspects. Lastly, the paper analysis the strength,weakness,opportunity and challenge of our country's SMCBs from the commercial banks developing internal environment aspects, and researching the developing strategy and mode of the SMCBs through quadratic matrix analysis.This paper can be divided into four parts: the first part is to study the characteristics,the present development conditions and the important role of SMCBs, development; the second part is to study the survival and developmental environment for SMCBs; the third part is to study the market environment of SMCBs in our country; the fourth part is to research the development strategies and modes of SMCBs in our courtry.The main points in this paper is:1,Analyse the opportunity that called "diamond opportunity",the external environment changes of China's commercial banking industry,will bring,including the opportunity it will bring to improve the survival condition,the opportunity to improve person condition,the future growth and development opportunity,the intermediary business development opportunity,the opportunity to serve deeply in community and rural areas, the opportunity to cooperate and develop together, the opportunity to manage and develop independently,multicultural development opportunity, Cross-regional development opportunity.2, In the financial market,our country's SMCBs have their own and suitable target market,are deposit market that composed of public department,small and medium-sized enterprises, residents,and load market that composed of small and medium-sized enterprises,self-employees,resident.In deposit market,compete with state-owned commercial banks,in load market,compete with nationwide joint-stock commercial banks.3,Response to the competition of state-owned commercial banks and nationwide joint-stock commercial banks,the SMCBs should take such stratigies:do small to vs.the former;do big to vs.the latter.4,The mixed stategies that SMCBs take for their future development is:detailed mode:. small communities, big business;antelope mode: small banks, large clusters; Intermediary organizations mode:the small headquarters,the big network.5,The ideas for the SMCBs' development are:taking communities as platform and integrating into the community network;developing deposit and load business,building commercial platform;building industry platform,integrating into industry network,developing investment business.This search has following unique points:1,Based on Porter's "diamond"model,through model-transferring and,the paper claims "diamond oppornity"model which based on the external environment changes of industry development,and analyzes the external environment change of our country's commercial banking industry,and claims the "diamond oppornity" that the SMCBs could face on.2,Use the method that used in biology called eco-location,and research every commercial banks market eco-locations,analyse and conclude the SMCBs' market eco-locations and its main competitors.3, Through quadratic matrix analysis,analyse the development strategy and mode of the SMCBs, and claim the SMCBs should do small to vs.the state-owned commercial banks;do big to vs.the nationwide joint-stock commercial banks.