中小商业银行实现差异化发展的思考

Thinking about the Differentiated Development of Small and Medium Commercial Banks

中小商业银行是我国银行业的一个重要组成部分,是支持国民经济发展不可缺少的重要力量;2011年两会期间,中小商业银行发展问题着重成为当前一个广泛的关注焦点。那么,当前形势下,面对复杂多变的外部环境的挑战和自身不足的劣势,如何实现差异化已成为中小商业银行可持续发展中尤为重要的问题。文章通过分析当前中小商业银行必须走差异化发展路径的内外部原因,提出了中小商业银行实现差异化发展的基本思路和具体措施。

Small and medium-sized commercial banks are one of important components of China＇s commercial banking system and an indispensable important force on supporting the development of the national economy.During the two sessions in 2011,focuses on the development issues of small and medium commercial banks become a widespread concern.Presently,faced with the challenges of complex and volatile external environment and their own disadvantages,how to realize their differentiated development become particularly important for the sustainable development of the small and medium-sized commercial banks.This paper put forwards the basic ideas and concrete measures of small and medium-sized commercial banks＇ differentiated development by analyzing the internal and external causes of small and medium-sized commercial banks following the differentiated development path.