中国式现代化背景下中小商业银行省市法人体制构建探讨——以城市商业银行为例

On the Construction of Provincial and Municipal Legal Person Systems of Small and Medium Commercial Banks in the Context of Chinese Modernization——A Case Study of Urban Commercial Banks

在中国式现代化背景下,中小商业银行为提升竞争力,积极探索联合重组方式,构建省、市级法人体制,符合金融强国的发展战略,适应金融科技发展与国际竞争加剧、利差缩减等挑战。城市商业银行的合并重组显著优化资源配置,提升综合实力,并为地方经济发展注入新动力,成为中小银行改革的成功样本。推进过程中,应建立统一法人框架,协调政府与市场调节,采用多样化合并形式,重设业务整合与流程,并加强风险管理,实现监管合规。通过这些措施,中小商业银行不仅能最大化资源效益,还能促进行业提升,以适应现代化经济需求。

In the context of Chinese modernization,small and medium commercial banks actively pursue mergers and reorganizations and build provincial and municipal legal person systems to enhance their competitiveness.This is in line with the development strategy of building a strong financial country,and adapts to challenges like financial technology development,intensified international competition,and shrinking interest margins.The mergers and reorganizations of urban commercial banks have notably optimized resource allocation,enhanced overall strength,and injected new vitality into local economic development,becoming successful models of small and medium bank reform.During advancement,small and medium commercial banks should establish a unified legal entity framework to coordinate government and market regulation,adopt diversified forms of merger,restructure business integration and processes,and strengthen risk management to achieve regulatory compliance.Through these measures,small and medium commercial banks can not only maximize resource efficiency,but also promote industry upgrading to better meet the needs of modern economy.