Research On The Development Of City Commercial Banks Of China

With the gradual deterioration and declining exports of goods in the world economic environment, the Chinese economy in 2015 GDP annual growth rate of 6.9%, down 0.4 percentage points compared to 2014, the overall economic environment into a difficult period, China’s banking sector the development is also facing a "winter challenge." City commercial banks, as an important part of China’s banking industry, many problems of its own, the paper analyzed the root causes of the problem and the cause of the problem, combined with experience in the development of American small and medium banks to make recommendations on the development of China’s city commercial banks. The article is structured as follows:The first chapter is introduction. It analyzes the significance of the topic and the background, through the Chinese economic environment generally stated, leads the grim situation facing China’s urban commercial banks, and by domestic and foreign literature on the problems of urban commercial banks, urban commercial for China development banks have a general outline and objective analysis of this article innovation and shortcomings.The second chapter, the history of Chinese city commercial banks and Present elaborate. First, from the emergence and development of city commercial banks start with a comprehensive introduction to the development history of city commercial banks, and objective analysis of the status quo of city commercial banks, mainly on the following two aspects, first, there is a small asset size fast, market share there are low-rise, uneven distribution of assets; second, city commercial banks Deviation market positioning, core competitiveness of the banks is reduced.The third chapter, urban commercial banks and factors. China’s city commercial banks issue facing the development of this chapter analyzes the following four aspects. First, the Chinese government for the new situation continue to strengthen supervision of the banking sector. Chinese domestic enterprise bankruptcy or collapse of an increase in the banking sector as a subsidiary of the real economy will be affected, China’s new regulation on banks also developed and implemented, namely capital adequacy ratio, the higher requirements of liquidity risk and operational risk. Second, the development bottleneck of China’s economic New Normal on China’s real economic consequences of China’s banking sector also contributed to the development dilemma, slowdown in economic growth led to decline in the growth rate of bank size and quality of assets, restructuring and industrial structure optimization of the economic structure makes business banks change management tools, making economic reform the financial vitality of the market rise, the rapid development of non-bank financial institutions under the new financial norm, asset size of non-bank financial institutions is also growing rapidly enough to contend and bank assets, the banking sector had no small the impact of competition in the banking and non-banking consequent increasingly fierce. Thirdly, the problem of ownership of urban city commercial bank commercial bank corporate governance had a great obstacle, it must change the original ownership composition. Fourth, city commercial banks strategic business problems, many city commercial banks operating blind get together behind closed doors and management, not only did not produce returns to scale, but dragged down their own development, the paper mainly from cross-regional city commercial banks operating angle for analysis city commercial Bank’s business model.The fourth chapter, development of small and medium US commercial banks Analysis and Experience. First, from roughly describes the development history of US small and medium banks, as well as the corresponding problems in the US economy faced a different state of development, and with the problems facing Chinese city commercial banks are compared, respectively, to compare the economic situation and institutional background of both analysis.Under Chapter V, the new situation of China’s city commercial banks Development. For urban commercial banks from three angles development of city commercial banks suggested: City Commercial Bank to be mixed ownership reform, improve the corporate governance system; city commercial banks should adhere to help SMEs increase innovation, and strive to enhance their core competitiveness; city commercial banks should strive to achieve scale advantages and strive to break the existing business model, cross-regional development, optimize the allocation of resources financial community.