Analysis Of Market Positioning Strategies Of Small And Medium-sized Commercial Banks

With the development of financial market, the competition between banks becomes more intensive. Small and medium sized commercial banks are new force and important part of the financial system in our country. In recent years, small and medium sized commercial banks face more and more serious challenge, the state-owned commercial banks and foreign banks put great pressure on them. It is more difficult for small and medium sized commercial banks to enlarge the share of market. There are many problems in the strategy of positioning of small and medium sized banks. Without clear positioning strategy, the management strategy will be aimless, and the bank will be less competent.An appropriate positioning strategy is closely related to segmenting and targeting. This thesis begin with the shortcoming of present positioning strategy of small and medium sized commercial banks, go on with analysis of their market environment, and give suggestion on how small and medium sized commercial banks decide their positioning strategy.On the base of segmenting, should the small and medium sized commercial banks decide their positioning strategy. From both theory and reality, it is not appropriate for small and medium sized commercial banks take the following positioning strategy. They should probe vacant of the market, catch the opportunity in order to gain in intensive competition. They should adjust their strategy, develop small and middle enterprises with great potential as their major client, take their own advantage, provide various services, and build up the good image as regional bank.