摘要:随着社会主义市场经济的逐步发展,在经济总量增长的同时,中国经济结构也发生了重大变化,中小企业的迅猛发展对金融支持和金融服务提出了新的要求。但中小商业银行在我国经济快速发展的大环境下,受到了来自各方面的巨大冲击,暴露出了一些问题,机遇存在的情况下也面临着各种危机,严重制约着我国经济的均衡和持续发展。本文在分析我国中小商业银行发展中存在问题的基础上,对中小商业银行在发展中出现的一些状况进行剖析,并提出了相应的对策及建议。
关键词:中小商业银行,资本充足率,SWOT,可持续发展,创新,市场定位
Abstract:Along with the socialist market economy gradually developed, in the economic output growth, the economic structure of China also had a great change, the rapid development of small and medium-sized enterprises for financial support and financial services set the new request. But small and medium-sized commercial Banks in the country's economic rapid development of the environment, are from all sides huge impact, exposed some problems, opportunities exist faces various kinds of crisis, constrain the our country economy balanced and sustainable development. Based on the analysis of the small and medium-sized commercial Banks of the existing problems in the development, based on the development of small and medium-sized commercial Banks appeared in some condition are analyzed, and puts forward the corresponding countermeasures and Suggestions.
Key words: Small and medium-sized commercial,Capital adequacy ratio,Sustainable development,SWOT,innovation,Market positioning
我国中小商业银行是在国有商业银行的夹缝中发展起来的,经历了激烈竞争的市场洗礼,绝大部分都具有强大的生命力,“其生命力主要得益于股份制的产权明晰、职责明确、法人治理结构和机制灵活的优势”。股份制决定了中小商业银行必须“自主经营、自负盈亏,自担风险”,因此不仅具有良好的激励与约束机制、而且具有较高的市场灵敏度和金融服务效率。中小商业银行自成立以来,支持了大量资信低、规模小、风险大、难以从国有商业银行获得融资安排的小企业和个体私营企业、股份制企业的发展,并开发出许多创新金融产品和金融服务。中小商业银行是我国金融机构中最具有活力的群体。而近年来中小商业银行在发展问题上遇到了更多的冲击,银行业的开放,国有银行的改造,外资银行的大量涌入,都给中小商业银行带来一定的考验,如果处理好中小商业银行在经济发展中的几个关键问题,将关系到金融业的兴衰。