我国中小商业银行发展中存在的结构体系问题及对策资料.docVIP

金融4班 090430458 王伊雪 我国中小商业银行发展中存在的结构体系问题及对策 摘 要 自20世纪80年代中期以来，我国在国有独资银行体系之外先后组建了多家商业银行。中小商业银行的成立和发展，适应了中国经济结构的变化，在一定程度上填补了国有商业银行收缩机构造成的市场空白，较好地满足了中小企业和居民的融资需求。我国中小商业银行的建立和不断发展，已经打破了当前计划经济体制下国家一些专业的银行的垄断新局面，促进了我国银行体系之间竞争机制的逐渐形成和相互间竞争水平的不断提高，同时，也带动了我国商业银行服务水平、服务质量以及工作效率的明显提高。为银行业的改革开放积累了经验。本文分析了中小商业银行在发展中自身存在结构体系问题，提出了解决了我国中小商业银行由于结构体系不完善等问题而开始出现增长速度下降，利润下滑，资产质量下降等问题的对策。 关键词：中小商业银行 结构体系管理 困境与问题 China small and medium commercial bank development in the problem of existence and countermeasure Abstract Since the nineteen eighties metaphase, China in the state-owned banking system has set up a number of commercial banks. The establishment and development of small and medium-sized commercial banks, to adapt to the changes in Chinas economic structure, to a certain extent, to fill the state-owned commercial banks caused contraction mechanism of market gaps, to better meet the financing needs of SMEs and residents. And the continuous development of small and medium-sized commercial banks in China, has broken new ground with its current under the planned economy countries some professional banking monopoly, promote the mechanism of competition between Chinas banking system gradually formed and the mutual competition level increasing, at the same time, also led to significantly improve the level of service, the Commercial Bank of our country service quality and work efficiency. Accumulate experience for the reform and opening up the banking industry. This paper analyzes the small and medium-sized commercial banks in the development of its structural system, is proposed to solve the small and medium-sized commercial banks in China began to appear the growth rate of decline, falling profits due to the problem structure system is not perfect, the Countermeasures of declines in asset quality. Key words: Small and medium-sized commercial bank Structural management Trouble 目 录 1.引言 1 2.我国中小型商业银行发展的必要性 1 2.1我国国民经济体制新改革的需要 1 2.2健全银行体系的需要 2 2.3推动金融体制改革的需要 2 2.4促进银行同业竞争的需要 3 3.中小商业银