Research On The Core Competitiveness Of Small And Medium Commercial Banks

This paper argues that most countries small and medium commercial banks are an important part of the financial system,with large banking institutions complement each other,is the health of the banking system based on sustainable development,most countries in the world,an integral part of the banking system.Small commercial banks in China since its founding in resolving local financial risks,financial innovation,business development,support local economic and SME development,personnel training and enhance overall quality of staff have achieved such good results.But small and medium commercial banks owing to inherent weaknesses and many other factors,the overall weak competitiveness and the economic crisis,globalization is an undeniable fact that the international financial market is opening and closing of vertical and horizontal momentum,a variety of financial innovation constantly.The banking industry is facing from non-bank financial institutions and non-financial institutions in business,tools,funding sources and market share,competition,etc.,in order to fierce international and domestic competition in a favorable position,gradually move round of national banks,large-scale transition.Small commercial bank in China joining the WTO environment,the double pincer attack by foreign strong opponents in competitions at a distinct disadvantage,faced with severe challenges,the crisis of survival and development experience.Small commercial banks in the fierce competition in the industry,to overcome their own weaknesses and shortcomings,but also to maintain fast and stable development trend,the key is to nurture and enhance the core competitiveness.The core competence is a comprehensive concept,which is in the same industry or among competitors to form a unique,beyond an irreplaceable competitors can not copy or can not use something,more power than any other person to Some,more accurate number of such an ideology or organizational behavior.Contractor status of the major banks reflect the state of business for the bank,while the core competitive power analysis is Development of key data indicators and comparison with the region,realized the strategic transformation and customer-oriented by financial products and services.On this basis,the contractor made less than the bank's core competitiveness,such as the lack of truly professional bankers,financial product innovation and development of their own problems,quality of service is not high,and made the contractor bank's core approach and Competitiveness way to solve its problems.Finally,the development of enterprise culture is the driving force protection,the power to unite people,make the construction of enterprise culture in a prominent position,to play their proper function.