我国中小商业银行生存空间的研究

A Research on Living Space of Small and Medium-sized Commercial Banks in China

随着我国金融体制步伐的深入,中小商业银行已经成为我国金融体系的重要组成部分,在优化金融生存方面起到了非常重要的作用.但是,面对国内五大行以及国外银行的竞争,我国中小商业银行的生存空间日益狭窄.结合中小银行的优缺点分析其发展现状以及存在的问题,阐明了中小银行存在的意义;接着,从优势、劣势、机遇、威胁四个方面对我国中小商业银行的生存空间进行深入分析;根据我国目前的经济形势以及国家的财政货币政策,提出了提升我国中小商业银行生存空间的对策建议.

With the deepening of China,s financial system, small and medium-sized commercial banks, an important part of China,s financial system, play a significant role in the financial optimization. Confronting with the five major domestic banks and foreign banks, these small and medium-sized commercial banks has narrow living space. This paper analyzes the present situation and existing problems of small and medium-sized banks based on their advantages and disadvantages to expound the significance of their existence. It also has in-depth exploration to the condition of these banks ’ living space from the aspects of strength, weakness, opportunities and threats. According to China,s current economic situation and its fiscal and monetary policy, the paper puts forward some countermeasures to solve these problems.