城市商业银行发展中面临的难题及对策

作为金融体制改革的产物，城市商业银行在我国市场经济建设中发挥了重要的作用。近年来，部分城市商业银行的经营陷入了困境，引起了社会各界的广泛关注。本文从法人治理结构、组织制度、业务特色、金融风险等几方面分析了其在发展中遇到的难题，带有一定的共性。在此基础上，提出了相应的对策和建议。

Difficult Problems and Countermeasure in the China City Commercial Banks Development

As result of monetary system reform, China City Comme rcial Banks have taken important role in market economy. In recent years, some Ch ina City Commercial Banks have been put in a tight spot, which has caused extens i ve concern. In the field of corporate governing structure, institutional system, characteristic of business and financial risk, this article analyses difficult pr oblems which China City Commercial Banks meet in the course of their developing. On the basis of that, some effective countermeasures and suggestions are put forw ard.