城市商业银行最早是由城市信用社改制而来,但随着金融体制改革的不断深化,城市商业银行作为大中型商业银行的一种有效补充,不仅支持了城市中小企业的发展,同时,在支持“三农”经济的发展上也起到了不可代替的作用。然而,随着银行业竞争的加剧,城市商业银行靠增加分行数量的传统粗放型发展方式已经不能适应时代的步伐,必须在内部治理上不断优化,提升竞争力,实现可持续发展。 Urban commercial banks were originally reformed by urban credit cooperatives. However, with the continuous deepening of financial system reform, urban commercial banks, as an effective complement to large and medium-sized commercial banks, not only supported the development of SMEs in cities, “Three Rural ” economic development also played an irreplaceable role. However, with the aggravating competition in the banking industry, the city commercial banks can no longer meet the needs of the times due to the traditional extensive mode of growth in increasing the number of branches. They must constantly optimize their internal governance so as to enhance their competitiveness and achieve sustainable development.