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地方性商业银行作为我国金融系统的重要组成部分,在国家经济发展过程中发挥了不可替代的作用,尤其在对地方经济的建设中,具有国有商业银行不可比拟的优势。然而,近年来受国内外宏观经济、金融环境的影响,再加上地方商业银行固有的历史遗留问题,我国地方商业银行遇到了发展瓶颈。到目前为止,我国上市的地方商业银行只有北京银行、南京银行、宁波银行、重庆农村商业银行四家,占整个地方商业银行的1%
As an important part of China’s financial system, local commercial banks play an irreplaceable role in the process of national economic development. Especially in the construction of local economy, local commercial banks have the incomparable advantages of state-owned commercial banks. However, influenced by the macroeconomic and financial environment at home and abroad in recent years, coupled with the inherent problems left over by the local commercial banks, the local commercial banks in our country have encountered bottlenecks in their development. So far, only four commercial banks in Beijing, Bank of Nanjing, Bank of Ningbo and Chongqing Rural Commercial Bank have been listed in China, accounting for 1% of the local commercial banks.