The Research On Development Paths Of Our Urban Commercial Banks

In recent years, China’s economy has developed rapidly. The operating conditions of the market economy have been gradually improved. And every industry is experiencing a new development peak. Urban commercial banks that start late in banking industry also develop rapidly and increase its influence in the financial sector. China’s urban commercial banks which based on city credit cooperatives, nowadays are an important and special part of Chinese banking. Since 1978, China’s urban commercial banks have experienced the reform, the transformation, the development and so on. So far, although the internal development of urban commercial banks is uneven, but on the whole, urban commercial banks have developed mature, and as well as have many kinds of development paths.Nowadays, the existing urban commercial banks in our country is 131, besides, the total capital is 18.0842 trillion yuan which accounts for 10.49% in banking financial institutions.Therefore, the importance of urban commercial banks in our banking financial institutions is growing. It’s important for further optimization that urban commercial banks develop healthily, sustainably and stably. In order to realize further development, urban commercial banks should be on the fact of their actual situation, combine with the region of the regional situation and the market environment, and learn each other’s experience to choose their own development path.This paper has five parts.The first part describes the background and significance of the selected topic, and relevant literature review on the path of development of urban commercial banks. In addition, this part discusses the main research content, research methods, innovative points and shortcomings.The second part describes the current situation of development of urban commercial banks. Firstly, this part analyzes the overall financial situation of the urban commercial banks which includes the size of assets and liabilities, asset quality, capital adequacy and profitability. Then, this part introduces the development characteristics of our urban commercial banks.The third part analyzes the development paths of urban commercial banks which includes the reason, the environment and the current status. Development paths of China’s urban commercial banks mainly include mergers and acquisitions, public offerings,cross-regional operations, as well as the introduction of strategic investors.The fourth part is the case analysis of development paths of urban commercial banks.And this part takes HUISHANG Bank, Bank of Beijing, Bank of Nanjing for example.Firstly, this part describes the case profile, then raises questions, solves problems, andfinally sums up lessons.The fifth part offers some recommendations of urban commercial banks from two perspectives when choosing development paths. And summarizes inspirations for the future further development of urban commercial banks.This paper mainly describes the development paths of China’s urban commercial banks. In the form of cases, the paper makes further analysis of the development paths, and puts forward some suggestions when choosing a development path of urban commercial banks. It’s significant for the future development of urban commercial banks.