Study On The Strategic Transformation Of China’s City Commercial Banks Under The New Situation

China’s city commercial banks came into being under special financial mechanism and made many initial results in the process of sustainable development in decades. At the end of 2012, the total of city commercial banks is 144 with total assets of 1.235 billion Yuan, total liabilities of 1.154 billion Yuan, the proportion of total assets and liabilities of the banking institutions total assets and total liabilities were 9.24%. City commercial banks to achieve substantive results, various efforts to lead the push inseparable regulatory policy, local government support and city commercial banks to pay their own hardships, such as the emergence of a large number of operating in good condition, strong profitability of high-quality banks, such as Bank of Beijing, Bank of Nanjing, Bank of Ningbo, to further improve our financial market system.Although the development of China’s city commercial banks achieved excellent results, there are still many problems to be resolved yet. Such as the historical legacy of non-performing assets ratio remained high, the property rights structure, a single shareholder structure and the degree of information construction, has been restricting the further development of China’s city commercial banks. Compared with the state-owned commercial banks or joint-stock commercial banks, a serious shortage of comprehensive competitiveness, expansion capability is weak. On the other hand, the world economy enter into a deep restructuring adjustment period, China’s financial reform has entered a critical period, as comprehensively promote market-oriented interest rates, China’s banking sector will face new development inflection point. As an important member of the local financial institutions, China’s city commercial banks under the new domestic and international new financial situation facing the interest rate market continued to push forward, continue to show "financial disintermediation" phenomenon, growing competition in the industry and the Internet financial impact of rapid development, strategic transformation of the way imminent.This treatise analyze the development of China’s city commercial banks and the Development Process, and learn from the successful experience of domestic and foreign small and medium commercial banks to explore the development of the transformation of China’s city commercial banks in the road, has a certain theoretical and practical significance. The full text of a total of five parts:The first part is an introduction, describes the purpose of the study and research abroad overview ideas and methods described herein; second part of the strategic transformation of China’s city commercial banks were fundamental analysis; third part, on the history and current situation of China’s city commercial banks were studied; section IV summarizes the experience of the successful development of small and medium commercial banks abroad. The fifth part of paper proposed strategic transformation of China’s city commercial banks suggestions and countermeasures.