利率市场化改革,对我国商业银行,特别是中小商业银行的生存环境带来深刻变化。中小商业银行需要在新的环境中创造和把握机遇,灵活应变,打造专业优势,更好地迎接挑战。本文拟通过对未来市场竞争形势的分析,对中小商业银行转型发展提出应对建议。 The marketization of interest rates has brought profound changes to the living environment of China’s commercial banks, especially small and medium-sized commercial banks. Small and medium-sized commercial banks need to create and seize opportunities in a new environment, be flexible, create professional advantages and better meet the challenges. This article intends to analyze the future market competition situation, and proposes some countermeasures to the transformation and development of small and medium-sized commercial banks.