Factor Interaction, Niche Optimization And Chinese Small And Medium-Sized Joint-Equity Commercial Bank’s Healthy Growth

Finance is the lifeblood of economic. In new age,our economic faces the structure of restructuring and upgrading, further deepening reform, and further opening to international market, the financial ecological environment is undergoing great changes. As the hard core of financial market, Chinese small and medium-sized joint-equity commercial bank’s development has great influence on financial prosperity and economical safety, and the great changes of financial ecological environment are either opportunities or challenges to their development. Using enterprise niche theory to analyze Chinese small and medium-sized joint-equity commercial bank’s development has great practical significance.This paper first teases enterprise niche theory and relevant research status, analyzes its feasibility to use enterprise niche theory into Chinese small and medium-sized joint-equity commercial bank’s development research. Then analyzes its niche factors, and builds "resource factor- ability factor- floating factor-resource factor" interaction model, by testing the model, this paper finds the most important niche factors which have great influence on Chinese small and medium-sized joint-equity commercial bank’s development, the result is that floating factors including economic factor, social factor, and so on, are the most important niche factors, the next, capacity factors, which include profit ability factor, risk control factor, management factor, and so on. Resource factors, which include capital factor, scale factor, human resource factor, market factor, are the least important factors to Chinese small and medium joint-equity commercial bank’s development. Further, economic factor and social factor are the most important floating factors rather than political factor and legal factor, beyond ability factors, risk control ability is the most influential one, and then management ability, entrepreneurs ability and innovation ability, rather than profit ability. Capital factor, scale factor, human resource factor are the most influential resource factors, at the same time, market factor is the least influential resource factors. As a capital factor, the use of credit funds has more influence than portfolio investment. Then by calculating niche breadth, niche overlap degree, niche competitive, this paper evaluates Chinese small and medium-sized joint-equity commercial bank’s niche status from the aspects of niche factor’s connotative and intensive status and denotative combination status, and finds out the problem. At last, basing on enterprise niche optimization theory and niche status, this paper gives some advices to Chinese small and medium-sized commercial bank’s development from aspects of niche factor’s connotative and intensive growth and denotative combination optimization.