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城市商业银行的前身是城市信用合作社,后来随着金融体制改革和股份制改革后发展成城市性股份制商业银行。由于城市商业银行的出现是在一个特殊时期,所以城市商业银行的发展有些先天不足,比如资金相对短缺,业务品种相对单一,吸收存款的能力不强,风险的承担能力差。虽然近几年城市商业银行摆脱了一些旧体制的束缚,取得了一定的发展,但发展还是远远不够,要想进一步提高城市商业银行在市场上的竞争力,必须开拓更广的业务途径,积极发展小额信贷业务。
City Commercial Bank, formerly known as Urban Credit Cooperatives, developed into an urban joint-stock commercial bank with the reform of the financial system and shareholding system. As the emergence of city commercial banks is at a special period, the development of urban commercial banks is inherently deficient. For example, the relative shortage of funds, the relatively single business types, the weak ability to deposit, and the poor ability to take risks. Although in recent years, urban commercial banks have got rid of the shackles of some old systems and made some progress, the development is still far from enough. If we want to further enhance the competitiveness of urban commercial banks in the market, we must open up broader business channels, Actively develop the micro-credit business.