城市商业银行发展定位及业务创新研究

The Research on the Position of City Commerciai bank Development and Business Innovation

我国城市商业银行经过近几年的快速发展,目前正渐入瓶颈期。广大城商行需转变盲目跟风的发展方式,找准自身定位,从实体和虚拟银行两方面进行实际业务操作的创新研究,包括发展社区银行,服务本地小微企业,建立高效自助银行网络,促进智能化网上银行发展,完善手机银行业务,推广虚拟银行卡。

After recent years of rapid development, domestic city commercial banks are now gradually entering the bottleneck. The major of city commercial banks need to shift blindly following the trend in the past development, accurately position itself and make inno- vations in both physical and virtual bank. Specific measures include developing the community banks, giving services of local small and micro enterprises, establishing a highly efficient self-service banking network, promoting the development of intelligent online banking, improving the mobile banking, launching the virtual bank card.