Explore The Regional Small And Medium-sized Banks In China Financial Innovation

This paper focus on the regional middle & small level banks in our country because this group is not so strong in this industry, but this group is very significant for out global economic development. Financial innovation is the important point for their existence.Currently, the paper which can make a systematical research toward the relationship between the regional middle & small level banks and financial innovation are not so much. So this paper use this topic as the break-in point, and have a deeper research toward the financial innovation of the regional middle & small level banks. The formal part focused on the main problem. The middle part focused on the compare of some typical country, and with the triangle model theory, discussing the feasible way of innovation. The last part made a deeper research toward the innovation of the regional middle & small level banks in our country.The brief structure is as follows: In the first chapter, some definition and the whole background be defined; In the second chapter, some important concept and theory will be introduced, including financial innovation, competition theory and financial geography theory; In the third chapter, the current financial innovation status and some outstanding problem of our regional middle & small level banks are described; In the fourth chapter, some foreign regional banks are compared, and some experience are got here; In the fifth chapter, based on the conclusion of previous chapter, the writer gave a more detailed discussion toward the innovation road of our regional middle & small level banks. In product innovation part, the writer makes some research about the requirement and supply of financial innovation with some theory of financial geography. In the last part, considering the financial storm in the global market now, the writer give a simple compare between risk and innovation, and hope to erase some panic and misunderstanding for innovation of some regional middle & small level banks. And even in the difficult day, they can also create a new road with innovation.