城市商业银行高质量发展案例分析与路径选择

Case Analysis and Path Selection for High-Quality Development of City Commercial Banks

作为多层次银行业体系的重要组成部分,城市商业银行是服务地方实体经济、维护地方金融安全的重要生力军。在宏观经济增速下行、金融业市场化改革、银行业竞争加剧的背景下,多数城市商业银行面临经营模式较为单一、客户基础仍然薄弱、专业风控能力不足、市场化经营意识不强及体制机制不健全等问题,生存与发展承压。本文基于标杆城市商业银行的案例分析,提出城市商业银行转型发展的路径,即在坚持差异化、小微化策略的基础上,强化技术与创新发展,打造“第二增长曲线”,并通过提升专业风控能力、加强精细化管理等支撑保障措施夯实发展基础。

As an integral part of the multi-level banking system,urban commercial banks serve as crucial forces in supporting local real economies and maintaining local financial security.Against the backdrop of macroeconomic slowdown,financial market reforms,and intensified competition in the banking sector,many urban commercial banks face challenges such as relatively simplistic business models,weak customer bases,inadequate professional risk management capabilities,and incomplete market-oriented awareness and institutional mechanisms,exerting pressure on their survival and development.This paper,based on case analyses of benchmark urban commercial banks,proposes a path for the transformation and development of urban commercial banks.This path involves strengthening technological innovation and development while adhering to strategies of differentiation,specialization,and micro-business focus,aiming to establish a"second growth"curve.Additionally,it emphasizes measures such as enhancing professional risk management capabilities and strengthening refined management to solidify the foundation for development.