本科论文摘 要中小商业银行作为中国金融业中活跃的一份子，为中国的银行业带来了新的理念和方法。中小商业银行的发展推动了整个行业从计划垄断经营向公开竞争经营的转变，凭借其灵敏的市场嗅觉和较高的服务质量、鲜有的金融制度理念给民营经济的发展带来了巨大的推力，同时推动了中国银行业的发展进程。次贷危机之后，我国金融业在支持经济强劲增长的同时，也存在着脱实向虚、业内空转等问题严重影响着经济的健康发展，更或威胁着金融领域的安全。由于业务的特性，中小商业银行受到的冲击更大。中美贸易战仍在继续，我国中小商业银行除了内部，还要应对外部，仍面临许多问题。本篇论文以我国中小商业银行发展的问题及对策分析为论文题目进行研究，论文在分析过程中，首先对我国中小商业银行的相关概念和发展现状进行概述，比如说中小商业银行的概念。接着研究了我国中小商业银行在内部治理、人才选用以及市场服务范围中存在的诸多问题。本论文通过以上的分析，针对相关问题提出了一些理论建议。关键词：商业银行；经济发展；金融服务本科论文AbstractAs an active part of China's financial industry, small and medium-sized commercial banks have brought new ideas and methods to China's banking industry. The development of small and medium-sized commercial banks has promoted the transformation of the entire industry from planned monopoly operations to open competition operations. With its sensitive market sense, high service quality, and rare financial system concepts, it has brought huge impetus to the development of the private economy. At the same time, it has promoted the development of China's banking industry. After the subprime mortgage crisis, China's financial industry, while supporting strong economic growth, also had problems such as detachment from reality and idleness in the industry, which seriously affected the healthy development of the economy and threatened the security of the financial sector. Due to the nature of the business, small and medium-sized commercial banks have been hit harder...
