Policy Analysis On The Development Of Small And Medium Sized Commercial Banks In Yangjiang City

Since more than 30 years of reform and opening-up, our country small and medium-sized commercial Banks has experienced from scratch, since the childhood, in terms of size, quantity, total assets showed a trend of rapid growth. The emergence of small and medium-sized commercial Banks and development of tradition has ever status of four major state-owned Banks under the system of the impact, promote the optimal allocation of financial resources, to enhance the financial efficiency, to the local economy and social development has a significant impact.This article first to yangjiang elaborates the development course and current situation of the development of small and medium-sized commercial Banks, on the basis of the local financial policies and measures to conduct research on small commercial Banks development. Countries in recent years, provinces and cities as well as financial association’s bank policy in the whole development of the banking sector, financial institutions and banking institutions participating in the development of the local economic construction, micro, small and medium enterprises financial support, a review of banking institutions, rural financial development and financial consumer rights and interests protection and so on carries on the summary analysis to formulate policies, the implementation of these policies for small and medium-sized Banks development mainly include: the effect of credit system and the social credit system construction is strengthened effective development, the evaluation work of banking institutions for small and medium commercial Banks, rural financial development to provide strong support, institutional reform and small and medium-sized Banks get remarkable achievement, financial supervision and to effectively implement the work, increase the support of small and medium-sized enterprises and small and medium-sized Banks and provides a effective guarantee financial consumer rights and interests of small and medium-sized Banks. In addition, there are inadequate policy support for small and medium-sized commercial Banks, the policy of financial support to small and medium-sized enterprises and small and medium-sized Banks is difficult to implement, relevant policies about credit system construction lag, imperfect capital supplement mechanism related policy and dealing with the marketization of interest rate policy problems such as deficiency.Secondly, the SWOT analysis of small and medium-sized commercial Banks to yangjiang, yangjiang the opportunity of the development of small and medium-sized commercial Banks: good momentum of economic development, financial industry overall development, deepen the reform to further stimulate the development of energy, the rapid development of small and medium-sized enterprises, information technology is widely used in the field of finance, the increase of residents’ income and consumption market gradually mature and advanced the concept of foreign Banks and the management and service innovation. The threat of the development of small and medium-sized commercial Banks mainly include: the competition pressure from foreign Banks, state-owned commercial Banks from the pressure of competition, and traditional business into the era of meager profit. The advantages of the development of small and medium-sized commercial Banks mainly include: congenital advantages of geographical advantages, management science, and business decision-making efficiency advantage. The development of small and medium-sized commercial Banks disadvantages are: inadequate capital, limited scale, network coverage is small, the business structure of a single, lack of strategic planning and the market orientation of science, institutional defects and the low quality of assets, difficult to handle bad assets. Through the SWOT analysis, yangjiang small and medium-sized commercial Banks should adopt market penetration strategy, market development strategy, technological innovation strategy, strategic alliance strategy, and contraction exit strategy.Small and medium-sized Banks in foreign countries as a reference in the end, based on development and policy adjustment of enlightenment, combining the reality of yangjiang, puts forward the solution to small and medium-sized commercial bank system malpractice and the problems left over by history, to create a fair environment conducive to the development of small and medium-sized commercial Banks, optimize the financial ecological environment, strengthen organization and coordination of financial work, to support the small and medium-sized enterprises and small and medium-sized Banks policy to provide effective security policy and speed up the credit system, improve the countermeasures and Suggestions for the construction of credit system.