新形势下我国城市商业银行经营模式转型研究

“十一五”时期，在特定的经济金融环境下，我国城市商业银行得到了快速发展，吸收存款、发放贷款、增加盈利成为其经营模式的重要特征。当前，随着经济金融环境的变化，城市商业银行传统的经营模式受到挑战。美国社区银行的发展模式对我国城市商业银行的发展具有重要的启示。根据城市商业银行的特点，借鉴美国社区银行发展的经验，我国城市商业银行经营模式转型取向为：明确市场定位，行使社区银行职能；开展制度创新，强化政策扶持；加强同业合作，拓展业务范围；发展零售业务，塑造特色银行；提升人员素质，实施人才战略。

A Research on the Management Mode Transition of China' s City Commercial Banks under the New Situation

During the 1 lth Five Year Plan period, under the specific economic and financial environment, China＇ s city commercial banks have experienced rapid development featuring deposit taking, loan issuing and profit increasing in management mode. Now, the financial environment has changed, exposing the traditional management mode to new challenges. The development model of American community banks can be an important enlightenment to China＇ s city commercial banks. Using American experience for reference, China＇ s city commercial bank manage ment transition orientation should be： pinpointing market orientation and exercising community bank functions; pro moting system innovation and intensifying policy support; business scope; developing retail banking and molding and implementing talent training strategy. strengthening cooperation with counterparts and expanding banks with distinct features; enhancing staff qualifications