我国城市商业银行发展中存在的问题与对策摘要城市商业银行作为地方中小企业金融支柱而迅速发展，逐渐成为金融市场的新兴力量在金融市场中的作用逐步加强，经营风险不断降低,资产质量明显改善等，城商银行在金融行业中所占的比重也越来越大，城商银行体系也逐渐完善。但由于城市商业银行起点低，而发展过快，因此城市商业银行的发展中还存在许多问题，本文通过研究分析城商银行发展中存在的问题，并结合对城商银行综合竞争力的SWOT分析，找出解决发展问题的策略和建议，以促进城市商业银行更好的发展。关键词：城市商业银行；发展现状；解决策略；SWOT分析ProblemsintheDevelopmentofChina'sCityCommercialBanksandCountermeasuresABSTRACTCitycommercialbankaslocalsmallandmedium-sizedenterprisefinancialsupportandrapiddevelopment,hasgraduallybecometheemergingpoweroffinancialmarkets,theroleinthefinancialmarketgraduallystrengthened,operationriskisreduced,assetqualityimprovedsignificantly,citycommercialBanksinthefinancialsector'sshareofalsomoreandmorebig,citycommercialbanksystemisgraduallyperfect.ButsincethebeginningofcitycommercialBanksislowandthedevelopmenttoofast,sotherearemanyproblemsinthedevelopmentofcitycommercialBanks,citycommercialBanksbasedontheresearchanalysistheproblemsexistinginthedevelopment,andcombinedwiththeSWOTanalysisofthecomprehensivecompetitivenessofcitycommercialbank,findoutthestrategiesandSuggestionstosolvetheproblemofdevelopment,topromotethebetterdevelopmentofcitycommercialBanks.Keywords:Citycommercialbanks;Developmentstatus;Solvingstrategies;SWOTanalysis;目录ABSTRACT......................................................................................................................................1一、引言...................................................................................................................................1二、城市商业银行的内涵...........................................................................................................1（一）城市商业银行的定义.......................................................................................................1（二）城市商业银行的特点.......................................................................................................11.数量多，有利于地方经济发展.............................................................................................12.发展程度多取决于当地经济发展.........................................................................................13.经营风险不断降低,资产质量显著改善...............................................................................2三、城市商业银行发展现状及问题............................................................................................2（一）城市商业银行发展现状....................................................................................................2（二）城市商业银行发展中存在的问题....................................................................................21.外资银行开始竞争国内市场.................................................................................................22.国内大型银行竞争压力.........................................................................................................33.金融体制改革方向.................................................................................................................3四、城市商业银行发展SWOT分析...............................................................................
