【摘要】 本文旨在探讨现有市场约束条件下我国中小金融机构市场定位与发展战略抉择问题。本文认为,在国有大型商业银行和全国性股份制商业银行的发展问题基本解决以后,监管部门必须对中小金融机构的发展问题有明确的市场定位和长远性制度规划,而这种定位和规划必须遵循不同规模银行根据自身资源禀赋所形成的在提供金融服务上的比较优势。为促进中小金融机构明确自身的市场定位,发挥比较优势,必须营造良好政策环境。更多还原

【Abstract】 This paper aims at discussing the market positioning and the choice of development strategy of the small and medium-sized financial institution in China under the current market constrained conditions.This paper argues that when the development problems of large state-owned commercial banks and national joint-stock commercial bank have been solved substantially,the monitoring authority must clarify the market position and make a long term regulation plan for the development problems of the small and medium-sized financial institution, adapting to the principle of comparative advantage on providing financial services of banks on different scales,which following their own resource endowment.Creating a favorable policy environment is important for small and medium-sized financial institution to clarify their own market position and develop their comparative advantage.更多还原