金融市场化改革背景下城商行发展路径探讨--基于比较优势分析视角

通过对国内城商行现有发展模式的总结归纳，以北京银行为代表的综合化经营模式、以珠海华润银行为代表的产融结合发展模式、以台州银行和龙江银行为代表的深耕小微及社区金融两大城商行传统业务模式、以哈尔滨银行为代表的掘金农村金融模式具有重要意义。基于对上述发展模式的分析，本文认为国内城商行应基于自身资源禀赋选择合适的发展路径，通过在比较优势领域的深耕细作培育核心竞争力。

Exploration on the Development Path of City Commercial Banks under the Background of Financial Liberalization Reform-Based on Comparative Advantage Perspective

Based on the theory of comparative advantage and resource endowment of city commercial banks,taking the differentiated and featured development road is very important for city commercial banks. This article sums up the existing model, including the comprehensive operation model that is represented by Bank of Beijing, the integration model that is represented by Zhuhai Huarun Banks,the small-micro enterprise finance and community finance that represented by Taizhou bank and Bank of Longjiang,and the blue ocean strategy that is represented by Bank of Harbin. Based on this analysis,this paper suggests that city commercial banks should choose a suitable development path based on the resource endowment and comparative theory to cultivate the core competence,to ensure its sustainable development under the background of financial liberalization reform and economic structural adjustment.