新形势下新疆城市商业银行发展问题研究

A Study on the Development of Xinjiang Urban Commercial Banks under the New Situation

近年来,受互联网金融变革、利率市场化等金融改革以及我国经济增速放缓等因素影响,我国银行业资产规模增速和质量双降,利润增速显著放缓。本文通过对新疆城市商业银行发展历程及现状的分析,指出其存在市场定位不明确、业务种类较少、不良资产处置困难等问题,并提出了相应的建议。

In recent years, due to the financial reform, such as financial reform of the Intemet, the financial reform of interest rate market, the slowdown of China＇s economic growth, the reform of economic system and the transformation of macroeconomic policies, the scale and quality of China＇s banking assets have been reduced. This new situation will undoubtedly bring a greater impact on the city commercial banks, and Xinjiang city commercial banks generally exist small-scale assets, weak anti-risk and other issues, in- creased the pressure of transformation. Based on the analysis of the development process and current situation of Xinjiang city com- mercial bank, this paper points out that there are some problems such as unclear market positioning, less business type and difficult dis- posal of bad assets, and make the corresponding recommendations.