Research On Differentiation Business Strategies Of Chinese Small And Medium-sized Commercial Banks

Small and medium-sized commercial banks are an important part of the financial institution system. With the advance of China's financial reform, the size, number and market share of small and medium commercial banks are increasingly expanding. Under the circumstances when China's economic development has entered a period of new normal, interest rate marketization, financial disintermediation, the rapid development of internet banking, and the keen competition of the banking industry, traditional model of management by which banks mainly profit by deposit and loan spreads has met a huge hit. How small and medium-sized commercial banks adjust their development strategies, comply with the direction of economic and financial reforms, define market positioning based on their own situations, implement differentiated dislocation competitive strategies, has become an important and urgent issue in the management of the small and medium commercial banks.This thesis, with the methodology of the combination of comparative analysis& case study, empirical research and normative research, qualitative analysis and quantitative analysis, first defines the category of China's medium and small commercial banks from the perspective of the development:Secondly, based on researches both at home and abroad, this study, by applying the theory of corporate strategy, tries to make a thorough analysis of the business environment, operating status, operating advantages and disadvantages, opportunities and challenges of SMCBs, and explores their basic conditions and prerequisites in implementing differentiation strategies. Thirdly, with reference of differentiation development experience from the United States, Japan and Germany, it furthers to point out its Enlightenment on SMCBs'differentiation development. Finally, this paper puts forward the market positioning strategies in the differentiated management of SMCBs from four dimensions such as scale, product, service & region, and then this study concludes by pointing out the way, safety & improvement measures of brand implementation in differentiated operations as to risk management, human resources, science and technology finances & strategic alliances.