我国中小金融机构的SWOT分析及发展策略研究

SWOT Analysis on China′s Small & Medium-sized Financial Institutions and It′s Developing Strategy Study

相对于四大银行来讲,中小金融机构存在资产规模小、抗风险能力弱等特点。因此,运用优劣势分析法,对中小金融机构面临的优势、劣势、机遇和挑战分别进行全面分析,从而明确其今后的发展策略:在细分市场的基础上,明确市场定位;重视产品创新,突出核心业务和特色产品;丰富资本金补充渠道,提高资本充足率;完善公司治理结构,强化内控约束机制;尽快建立存款保险制度,促进中小金融机构的持续发展。

Compared with four big state - owned banks, small and medium - sized financial institutions own such features as small size of assets, weak capacity for combating risks, etc, Therefore, by using SWOT analysis, a comprehensive analysis can be made on the strength, weakness, opportunity and threat that these institutions may face respectively, hence defining the developing strategy in the future： on the basis of market division, defining market position; attaching importance to product innovation, and highlighting core business and feature products; enriching capital fund replenishing channels to increase capital adequacy ratio; perfecting corporate governance structure, strengthening internal control binding mechanism; quickening and establishing deposit insurance system to promote a continuous development of small and medium - sized financial institutions.