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中小商业银行作为现代金融业发展的重点,相比大型银行而言具有经营规模小、偿债能力低、抗风险能力弱、银行信用度低等特点。我国于2015年5月1日起正式建立银行存款保险制度,这将给中小银行带来很大影响。在此背景下,中小商业银行应立足于现实,科学利用存款保险制度带来的机遇,积极参加存款保险,调整银行负债结构,转变发展方式,进行业务创新,从而实现自身的长远发展。
Small and medium-sized commercial banks as the focus of the development of modern financial industry, compared with large banks have a small scale of operation, solvency is low, anti-risk ability is weak, bank credit is low and so on. Since May 1, 2015, China formally established a bank deposit insurance system, which will have a great impact on small and medium-sized banks. Under this background, small and medium-sized commercial banks should make full use of the opportunities brought by the deposit insurance system, actively participate in deposit insurance, adjust the structure of bank liabilities, change their mode of development, and innovate their businesses so as to realize their own long-term development.