Direction And Elements Of The Development Of The Core Competitiveness Of China's Small And Medium-sized Commercial Banks

This article's object of study is the small and medium-sized bank. Zheng XianBing who uses external experience for reference, propose the standard according to the reality of our country: the bank of general assets reaching 1000 billion RMB is the bigbank, and the bank within the range of 100 billion - 1,000 billion yuan of total assets scale is the medium-sized bank, and the total assets scale of pet bank in the commercial bank is under 100 billion yuan. Defining the standard adopted to the small and medium-sized commercial bank of this text is Zheng's measurement yardstick that he puts forward. The development of our country's small and medium-sized commercial banks is very important, but there is a bumpy and rough way to go for them, especially after china's entering into WTO. They will face heated competition both from foreign-capital banks and state-owned banks. Thus it becomes extremely necessary to find out some promoting tactics for them. This thesis, premised on the practical development of small and medium-sized commercial banks in our country, studied thoroughly, systematically and profoundly the core-competence issues, based on the core-competence theories and used for reference the findings of some economists.Firstly, the thesis covers the fundamental concept of the small and medium-sized commercial banks, and concludes that the survival and development of these banks is important. Secondly, the thesis briefs the concept, trait, significance and management of core-competence. Thirdly, it analyzes the present core-competence situation of these banks. It concludes the development direction of core-competence for our country's small and medium-sized commercial banks. Finally, the thesis analyzes the fundamental factorsneeded for cultivating core-competence of these banks, and lays stress on informationtechnology , process and culture.