A Study On The Selection Of Development Paths At China’s City Commercial Banks

City Commercial Bank (CCB) has not enjoyed very long history since the first CityCommercial Bank (CCB)-Shenzhen City Cooperative Bank was founded in1995.From global perspective, CCB is such a banking institution with Chinesecharacteristics, which was originally aimed as” Serving Domestic Economy, ServingLocal Residents as well as medium and small sized enterprises”. While along with theincreasing demand of capital from medium and small sized enterprises as well asexpansion of market scale, CCB has mushroomed to be a vital part of bankingfinancial institution, together with State-owned and Shareholding commercial bank.Its rapid development on one hand satisfies the demand of our economy to thespecialization of financial institution, enriches the hierarchical structure of ourbanking industry, on the other hand it brings fresh development power to our bankingindustry.The CCB has undergone various development paths in its short developmenthistory. Giving full play to the agility of Operation and management system as well asthe celerity of information conduction mechanism, CCB seek hardly for developmentand give great impetus to structural reform and business innovation. CCB has gainedobvious effect on renaming, going public, Joint restructuring, disposal ofnon-performing asset as well as importing foreign strategic investors, has shownexcellent development prospects and vigor. Although with uneven development level,yet among them may CCB have accomplished the reform of joint-stock system, beendigesting non-performing asset gradually by all means, reducing the rate of bad loansand switching business mode, at last CCB holds substantial market share. CCB rankedin the excellent global banks finally, such as Beijing bank and Shanghai bank.Differences of region, market environment and development demands in Economicdevelopment contribute to the adoption of different development paths by CCB. Thisthesis try to study based on performance, select3methods as listing, merger andimporting strategic investors in CCB’s to conduct empirical analysis and evaluation.Thereby to be acted as Guidance in real world. Basic ideas of this thesis is to Combing the context of the development of CCB,analyzing the main factors of its inherent advantage as well as its developmentrestrictions from status quo. Secondly, conducting empirical analysis on those CCB’swith different development paths, analyze the reason of choice and effect of selectionof its current development path then set performance as evaluation criteria. Last butnot least, based on performance, conducting analysis on pros and cons of selection ofdifferent development paths from the standpoint of empirical results. Thereby, makepolitical suggestions to CCB development paths.