中小商业银行发展县域金融的战略思考

中小商业银行本来是定位于服务区域经济的，特别是县域经济和中小企业的，但随着规模的扩大，却有向经济发达地区、中心城市集聚的趋势。从而加剧了金融资源配置与经济发展目标的矛盾。本文认为，国家银监会制订的关于放松中小商业银行设立分支机构的政策限制，使中小商业银行发展县域金融具备了良好的政策环境。从中小商业银行发展战略来看，发展县域金融不仅能够扩大业务领域，夯实发展基础，也是其持续发展的根本途径。中小商业银行发展县域金融必须依据地方经济特征、金融资源条件并结合本行的实际，走发展县域金融的特色之路。

Small and Medium-sized Commercial Banks to Finance the Development of County Strategic Thinking

The small and medium- sized commercial banks have been positioned to serve the regional e- conomy, especially the county economy and the small and medium -sized enterprises. However, with the expansion of the scale there are the economically developed areas, the trend of central city agglomeration ~ Thus aggravate the contradictions between the financial resource allocation and economic development goals. This article holds that the State Banking Regulatory Commission issued on small and medium - sized commercial banks to relax the policy of restrictions on the establishment of branches, so that small and medium- sized commercial banks to develpo county finance have a good policy environment, from development strategies of small and medium - sized commercial banks, County Finance development can not only expand the business fields, lay a solid foundation for growth, but also the fundamental way of sustainable development. The development of small and medium- sized commercial banks in the county must be based on the financial characteristics of the local economy, financial resources combined with our practical and take the characteristic of county finance development.