中小城市商业银行财务贫困性增长的成因及对策

近年来，一些中小城市商业银行出现了财务贫困性增长的现象。不成熟的市场，不健全的法制，形成了有悖于股份制商业银行运作的外部环境；权力过分集中，责、权、效、利得不到有效结合，没有建立以利润指标为核心的考核机制等多种因素的综合作用，使中小城市商业银行难以摆脱财务贫困性增长。走内涵型、效益型的集约化经营道路是解决问题的关键。

Reasons of Urban Commercial Banks in Medium and Small Cities Finance Poverty Increase and Countermeasures

In recent years, finance poverty increase arises in the commercial banks in some medium and small cities. The immature market and not sound law system form the exterior environment of contradicting joint stock commercial bank operation. The combined influences of power concentration, poor integration of responsibility, duty, effect, and benefit, lack of proper evaluation mechanism and etc. result in the heavy burden of finance poverty increase for those banks. The key to solution is an intensive operating model characterized by content and benefit.