Problems And Countermeasures Revealed By Qingdao Bank's Development Process Based On Comparative Analysis With Ningbo Bank

City Commercial Banks in all parts of China are built on the basis of urban credit cooperatives.After more than 20 years of development,city commercial banks have become a very important part of China's banking industry.In terms of asset size,the asset size of City Commercial Banks increased from 2.8 trillion yuan in 1996 to more than 30 trillion yuan in 2017,with rapid growth.Moreover,the scale of City Commercial Banks' deposits and loans has also grown rapidly.By the end of 2017,the deposits and loans of urban commercial Banks were 19 trillion yuan and 12 trillion yuan respectively.City commercial banks provide financial support for the development of local economy,especially for small and medium-sized enterprises.In the course of development,city commercial banks also exposed problems such as small asset scale,high non-performing loan ratio and weak profitability.Shandong province has always been the third largest economy in China,with an economy of over 7.27 trillion yuan.But the capital scale of Shandong's City Commercial Bank is not commensurate with economic development.This article selects Qingdao bank as the object of the case analysis,which represents the highest level of development of Shandong City Commercial Bank.This article selects Qingdao bank as the object of the case analysis,which represents the highest level of development of Shandong City Commercial Bank.The comprehensive strength of Qingdao bank ranks 25 th in China,but it is not matched with the economic strength of Shandong province,so it needs to further deepen the reform and improve its comprehensive competitiveness.Therefore,this paper selects bank of Ningbo as the target of the bidding of Qingdao bank.Through the comparison and analysis between the two Banks,it finds out the shortcomings and causes of Qingdao bank,and puts forward relevant Suggestions.Through comparative analysis of the governance structure and financial indicators of Qingdao bank and Ningbo bank,it is found that there are many problems in the development of Qingdao bank.The development of Qingdao bank relies too much on interest income and the development of intermediate business is not perfect.The risk control of Qingdao bank is insufficient,the bank's loan to the manufacturing industry is high,the transaction amount of related parties is high,and various risk supervision indicators are low.The composition of assets and liabilities in Qingdao is not reasonable and it is easy to generate the time mismatch between assets and liabilities.Qingdao bank's ability to absorb deposits is weak.There are also shortcomings in the governance structure of Qingdao bank.The cooperation with strategic investors focuses on one-way technical and business guidance,and pays little attention to the protection of consumers' rights and interests.In view of the insufficiency of Qingdao bank,puts forward the corresponding improvement Suggestions,help Qingdao bank perfect governance structure,increase of assets,to strengthen the bank's risk control,improve the profitability of the Banks.