on build the core competitiveness of city commercial banks means（在构建城市商业银行的核心竞争力）.docVIP

On build the core competitiveness of city commercial banks means Abstract: Commercial banks in the service of SMEs and community residents, to promote local economic development played an important role, however, with the increased openness of China’s financial markets, city commercial banks are facing many problems. From commercial banks to build the core competitiveness of the status quo starting on the core competitiveness of city commercial banks started to explore ways of development. Paper Keywords: city commercial banks, core competencies, approaches City commercial banks since the mid-1990s inception, after ten years of development, through a variety of ways to effectively resolve the risk, the service is good for SMEs and community residents, to vigorously promote local economic development, its assets the rapid expansion of comprehensive strength has increased, business sense and business philosophy has been significant improvement. 1 the development of urban core competitiveness of commercial banks, the role of The core competence of commercial banks is different commercial banks in the context of the same macro-environment and fierce competition in the market, able to use their limited resources to create more wealth and value than the competition ability of the banking system competition The most important functional elements. to build the core competitiveness of the banking sector to actively adapt to the inevitable changes in market demand choice, it needs to bank a clear system of property rights, improving corporate governance institutions, the optimization of organizational structure, an extension of the service content, product features innovation, lower operating costs, improve asset quality, multi-faceted strong support, is to protect the bank for sustainable development. 2 city commercial banks to build the core competitiveness has made great progress, but there are still inadequate 2.1 Target market segmentation is