我国中小商业银行发展中存在的问题及对策 .doc

我国中小商业银行发展中存在的问题及对策 摘要：中小商业银行是我国金融体系的重要组成部分，对满足社会公众多层次、多元化的金融服务需求具有重要作用。然而，目前我国中小商业银行在发展过程中仍然面临市场定位模糊、内部控制体系应有的规范和力度比较缺乏、法人治理结构及产品结构不合理、人才缺乏等问题，从而制约了中小商业银行的发展。本文在分析我国中小商业银行发展中存在问题的基础上，提出了相应的对策及建议。 关键词：中小商业银行 金融服务 改革  China small and medium commercial bank development in the problem of existence and countermeasure Abstract:：The small and medium-sized commercial banks in Chinas financial system is an important part of social public, to meet the multi-level, diversified financial services needs has an important role in. However, at present our country small and medium sized commercial banks in the process of development is still facing the market orientation, internal control system fuzzy due standard and strength, lack of corporate governance structure and product structure is unreasonable, the lack of such problems, which restrict the development of small and medium-sized commercial banks. This article in analyzes our country small and medium sized commercial banks development on the basis of existing problems, and puts forward the corresponding countermeasures and suggestions. Key words: Small and medium-sized commercial ；bank financial service ；reform 第 PAGE II页 共 PAGE II页 目录 TOC \o \h \z \u HYPERLINK \l _Toc310068557 1.引言 PAGEREF _Toc310068557 \h 1 HYPERLINK \l _Toc310068558 2.我国中小商业银行发展的必要性 PAGEREF _Toc310068558 \h 1 HYPERLINK \l _Toc310068559 2.1国民经济体制改革的需要 PAGEREF _Toc310068559 \h 1 HYPERLINK \l _Toc310068560 2.2健全银行体系的需要 PAGEREF _Toc310068560 \h 1 HYPERLINK \l _Toc310068561 2.3推动金融体制改革的需要 PAGEREF _Toc310068561 \h 1 HYPERLINK \l _Toc310068562 2.4促进银行同业竞争的需要 PAGEREF _Toc310068562 \h 2 HYPERLINK \l _Toc310068563 3.我国中小商业银行发展中存在的问题 PAGEREF _Toc310068563 \h 2 HYPERLINK \l _Toc310068564 3.1发展程度严重失衡 ，受外力因素政策影响较大 PAGEREF _Toc310068564 \h 2 HYPERLINK \l _Toc310068565 3.2经营区域过于集中，金融服务覆盖面有待拓宽 PAGEREF _Toc310068565