The Research On Merger And Reorganization Of City Commercial Banks In Henan Province

In the process of establishing China’s socialist market economy and the deepening reform of the financial system circumstances,city commercial bank, which based on the original urban credit cooperatives is quickly developing, City commercial bank is known as China’s banking industry “The third echelon”.Since the twenties century, the city commercial banks shoulder the social responsibility and mission on service the local economy, service for small and medium-sized enterprises, service city residents, occupying an important place to establish and improve our country’s financial and banking system.In recent years, With our country city commercial bank asset scale gradually expanding, strength has improved,but because unbalanced development in various regions,geographical restriction and a single market congenital insufficiency. From a vertical perspective, there is a big gap among city commercial banks,the large state-owned commercial banks and joint-stock banks in the overall strength and speed of development. From the horizontal point of view, due to the different levels of economic development area, development in different city commercial banks are uneven. Part of the city commercial banks have recognized the shortcomings of the city development firm,and started the road to reform city commercial banks, city commercial banks can draw on a later reform. Due to the different size of a city commercial bank assets, asset quality and development potential.The path of development and reform of city commercial banks can not be replicated single mode, the city commercial banks should be combined with local conditions, select the appropriate model for reform, and get out of the development bottleneck.Before the merger and reorganization of city commercial banks in Henan Province,There are a total of 17 city commercial banks. the number of city commercial bank is large,there is the problem of fragmentation of city commercial banks. in the process of competition with big Banks,non-core small and medium-sized city commercial banks are faced with survival pressure.How to reform the city commercial banks, to avoid its inherent defects and improve overall competitiveness, to ensure their support for the role of the local economy, is one of the important issues of banking reform in our province. Development model of city commercial banks include joint, mergers and acquisitions as well as inter-regional development. The newly formed Central Bank is an exploration of the way the province of city commercial banks. I set out From the basic financial principles to find the city commercial bank restructuring theoretical basis,analyzing and summarizing for the of the common reorganization mode of city commercial banks. In the theoretical framework, combined with some of the success stories of experiences and the specific circumstances of the province, analyzes the necessity and feasibility of the city commercial bank mergers and acquisitions in Henan province,I put forward some Suggestions to accelerate city commercial banks mergers and acquisitions,strengthen the integration and restructuring and clear market positioning.hoping these suggestions can help the further development of the province of city commercial banks.