城市商业银行发展能力分析

Analysis of the development and operation ability of city commercial banks

城市商业银行作为我国银行金融机构的重要组成部分,近年来不断壮大和扩张,其业务范围不断调整,经营效益季度变化较大,有较强的地方性特点,在发展过程中机遇和挑战并存。城市商业银行的核心资本充足率、不良贷款率、净资产收益率以及存贷比是衡量其发展能力的重要因素,与商业银行的规模显著相关;资产质量随着经济局势的变化有所波动,但近几年逐渐趋于平稳。在当前经济发展背景下,城市商业银行应创新经营理念、发展表外业务、立足基层,发展互联网金融,促进自身的进一步提升与发展。

As an important part of China＇s banking and financial institutions, city commercial banks are growing and expanding in recent years with continuous adjustment of the business scope , great quarterly change in operating performances and strong local characteristics.Opportunities and challenges coexist in the development process. Core capital adequacy ratio, non-performing loan rate, the rate of return on net assets and deposits and stable ratio in the city commercial banks are important factors to measure the ability of the development, significantly related with the commercial banks＇size.The asset quality varies with the change of economic situation, but tends to be steady in recent years.Under the current economic development background, the city commercial banks should in-novate business ideas, develop the outside business, base on the basic level, develop internet banking to promote their further growth.