银行业市场化进程中城商行的发展潜力

Analysis on the Development Potential of City Commercial Banks during the Banking Marketization Process

城市商业银行作为我国银行业体系中最凸显的力量,在服务区域经济发展中发挥着重要作用。从微观层面选取评价指标,对近年来我国城商行参与市场化竞争状况进行分析。结果显示,相比大型商业银行、股份制商业银行和农商行,城商行在存贷款利率水平、资产增速与资产结构以及盈利能力方面具有明显优势,综合实力位居第一。面对当前日益复杂的经济金融环境,城商行应主动适应新形势,以思路创新促进发展模式转型。

As the most highlight power of the banking system in China,the city commercial banks play an important role in the servicing regional economic development.This study chooses some evaluation indexes in a narrow sense to analyze the market competition condition of the city commercial banks in recent years.Results show that compared with the large commercial banks,joint-stock commercial banks and agricultural commercial banks,city commercial banks have obvious advantages in deposit and lending interest rates,asset growth and asset structure,and profitability,and the comprehensive strength ranks first.Facing the current increasingly complex economic and financial environment,the city commercial banks should take the initiative to adapt to the new situation,and use idea innovation to shift the development model.