Research On The Market Positioning And Development Strategy Of Regional Small Medium Bank Financial Institutions

With the deepening of the reform of financial diversification, as a special regional financial organizations, the small and medium-sized financial institutions has an irreplaceable role in promoting financial diversification, improving our country’s existing financial situation and perfecting the financial service function. With their own advantages, the small and medium-sized financial institutions have become an important part of regional financial system in China. However, because of the dual effects of the reform of the financial system and the historical factors, the small and medium-sized financial institutions’ development prospect is disadvantageous with its market share shrinking.In some western developed countries, after20years wave of mergers and acquisitions in the financial industry, the small and medium-sized banks still have an important role in the market. The small and medium-sized banks supple financial resources for the economy development, making the allocation of financial resources becoming more efficient. In our country, the large and medium-sized banks are the supplement of large banks and have a very important role in the area of investment and financing. Therefore, it has very important theoretical and practical significance to study the development problems of China’s small and medium-sized banks for improving the scale of China’s financial industry structure, improving the regional financial service system and promoting the development of financial diversification.This paper mainly divides into five parts:The first part is the preface, mainly elaborating the selected topic background and significance of this study and introducing the main research content and research framework;The second part is the literature review. This paper defines the small and medium-sized banks and the characteristics of the financial supply. Then this paper summarizes the previous research of the economy stability, regional financial structure and market positioning;The third part introduces the development status and the role in regional economy of the small and medium-sized banks. This part summarizes the development status of the small and medium-sized banks and draws that the small and medium-sized banks play an important role in regional economy.The fourth part introduces the development problems of the small and medium-sized banks. This part introduces the external environment and summarizes the development problems of the small and medium-sized banks.The fifth part draws some advices through the analysis of the development problems, in order to improve the operating efficiency of the small and medium-sized banks.