差异性经营:我国城市商业银行的发展选择

Differentiated Operation: The Innovational Ideology of City Comm ercial Banks in China

城市商业银行面临着因市场重组带来的空前的经营压力 ,为了争取未来中期发展的良好前景 ,必须施行经营创新。根据国际中小商业银行的发展经验以及我国金融市场发展要求 ,我国城市商业银行应确立以零售业务为主的差异化经营方针 ,以特色经营赢得稳定的市场空间。为此 ,央行应进行相关政策的调整 ,加强社会信用制度的建设 ,为我国城市商业银行的经营创新提供良好的外部环境。

Confronted with the operational pressures brought by the market reorganization, city commercial banks must carry out operational innovations to strive for a goo d medium-term prospect. In line with the experience of foreign small and medium- sized commercial banks and the requirements of the Chinese financial market, cit y commercial banks in China must establish a guideline of differentiated operati on, with stress on retail business, and obtain stable market space through speci fic operation. For this reason, the central bank must adjust related policies, s trengthen the social credit system and provide a good external environment for t he operational innovations of city commercial banks.