The Study Of Differentiated Development Of China's City Commercial Bank

As a very important part of china's banking system, The city commercial banks have became one of the most active fields in china's financial system. The city commercial banks play a very significant role in supplying the financial resources and promoting the development of the regional economy. Meanwhile city commercial banks have faced lots of problems, the most thorny problem is the in-correct market positioning and the homogeneity management. The city commercial banks fix their market and make their blueprint not based on their core competitiveness.This article first recollects the theory of firm management and differentiation strategy and the differentiated development of city commercial banks, and then analyses the general contradiction and the rationality of existence. and it reviews the process of the development of the city commercial banks, and points out the problems which the city commercial banks face, and the author exclaims the motivation of differentiation of city commercial banks and explain the necessity of differentiation of city commercial banks. Then this paper analyses the developments of city commercial banks in American and Japan, and make out some experiences for the China's development of city commercial banks. And then this article makes a SWOT analysis for the development of China's city commercial banks, and concludes the strategy arrangement and possible paths. This article points out some measures for the differentiated development of china's city commercial banks and last this paper proves the conclusion with the development of Zhejiang tailong commercial bank as an example.