城市商业银行实现差异化发展面临的问题及对策建议

特色化、差异化发展是城市商业银行未来发展的大趋势。但从目前来看,一系列内外部因素制约着城市商业银行的差异化发展,使得城市商业银行走上与其它类型商业银行相同的发展道路,并导致城市商业银行竞争力低下、可持续发展能力不足。这些因素包括监管政策、银行业体系、城市商业银行股权结构、战略定位、绩效考核制度等,因此,城市商业银行实现差异化发展的关键就在于消除这些因素的制约。

Problems and suggestions of the City commercial bank's achieving differentiation development

Specialization and differentiation is the development of city commercial bank in the future trend of development. But the reality, the number of internal and external factors that restrict the City commercial bank＇s differentiation development and makes the City commercial bank took the same development path of other types of commercial banks, also lead to lower competitiveness and sustainable development capability of city commercial bank. These factors include regulatory policies, banking system, the City commercial bank＇s ownership structure, strategic orientation, performance appraisal systems etc. Therefore, the key measure for City commercial bank achieving differentiation development is eliminating these factors.