我国城市商业银行存在的问题与对策.pdf

山东财经大学学士学位论文 题目： 我国城市商业银行存在的问题与对策 山东财经大学学士学位论文 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 Problems in the Development of Chinas City Commercial Banks and Countermeasures ABSTRACT City commercial bank as local small and medium-sized enterprise financial support and rapid development, has gradually become the emerging power of financial markets, the role in the financial market gradually strengthened, operation risk is reduced, asset quality improved significantly, city commercial Banks in the financial sectors share of also more and more big, city commercial bank system is gradually perfect. But since the beginning of city commercial Banks is low and the development too fast, so there are many problems in the development of city commercial Banks, city commercial Banks based on the research analysis the problems existing in the development, and combined with the SWOT analysis of the comprehensive competitiveness of city commercial bank, find out the strategies and Suggestions to solve the problem of development, to promote the better development of city commercial Banks. Keywords: City commercial banks; Development status; Solving strategies; 山东财经大学学士学位论文 SWOT analysis; 目 录 ABSTRACT 2 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