中小银行发展环境的变化、挑战及应对

Changes, Challenges and Responses to the Development Environment of Small and Medium-sized Banks

中小银行发展的外部和行业环境已经发生全局性变化,面临严峻挑战。从整体看,经济转型和变局要求中小银行调整业务布局,要更为重视零售业务发展,拓展组织边界和风险再平衡。从行业看,资本市场改革、市场竞争、科技金融发展重塑银行业竞争格局的同时不断压缩中小银行生存空间,可要求大型银行开展小微、三农贷款业务时加强与中小银行合作。从技术看,数字化冲击使中小银行进退维谷,要求中小银行建立新的能力体系以更好实现现有的功能定位。

Small and medium-sized banks face serious challenges amid changes in the external environment and the state of the banking sector. From an overall perspective, the economic transformation and market shifts require small-and medium-sized banks to adjust their business configuration, pay greater attention to retail business development, expand organizational boundaries and rebalance risks. From an industry perspective, capital market reform, market competition and technological development are reshaping the competitive landscape of the banking industry and continuously compressing the survival space of small and medium-sized banks. This may create a need for large banks to strengthen cooperation with small-and medium-sized banks when carrying out small and micro lending as well as extending credits to farmers, the agricultural sector and rural areas. In terms of technology, digitalization has put small-and medium-sized banks in a difficult position, requiring them to establish a new competence system to better realize their existing functional positioning.