中国中小银行可持续发展策略:规模领先还是特色制胜

中国经济改革的深入使中小银行获得了良好的发展机遇,本文分析了中国主要中小银行的规模现状和特色业务.研究发现,不论在资产规模、机构和员工数量,还是在收入和盈利增长以及风险管理方面,中小银行的规模优势并不明显,单纯靠扩张规模很难获得竞争优势,但其业务特色比较突出.因此,中小银行一味追求扩张规模会陷入恶性循环,不利于风险管理...

Chinese Small and Medium-Sized Banks'Sustainable Development Strategies:Scale-Leading or Characteristic-Winning

China's economic reform provides small and medium-sized banks with excellent development opportunity.This paper analyzes the recent scale situation and distinctive business of main domestic small and medium-sized banks.They fail to possess competitive advantages in asset scale,the number of business outlets and employees,as well as revenue,profit growth and risk management.Therefore,blindly pursuing scale expansion may make those banks involve in a vicious cycle,which is unfavorable for risk management.Howe...