英语论文网

(1) the number of city commercial banks increased year by year, the market share has expanded each year, an increasingly prominent role. At present, a total of 147 city commercial banks, to the fourth quarter of 2010 ended, the city commercial bank assets amounted to 7.85 trillion yuan, an increase of 38.2% over the previous year; city commercial banks total liabilities of 7.37 trillion yuan, compared with the previous an increase of 38.5% over the same period. Terms of total assets, the country's total deposits of commercial banks, city commercial banks in class 8.3% market share. Although engineering, agriculture, construction, moderate compared to four state-owned banks, city commercial banks seem trivial, but in terms of regional, city commercial banks in supporting the development of SMEs, easy living, and played an irreplaceable role, local economic development has become an indispensable lubricant.

随着大型国有银行体制改革和我国金融市场对外开放，国内银行业竞争愈演愈烈，力量弱小的城市商业银行面临着更加严峻的生存环境。一方面，随着体制改革的深入，四大国有银行逐渐进行股份制改造，优化资本结构、提高资本充足率，并上市融资以扩大经营范围、壮大自身规模和实力

(2) With the large state-owned bank reform and opening up China's financial markets, the domestic banking industry competition intensified, strength weak city commercial banks facing stiffer living environment. On the one hand, with the deepening of reform, the four joint-stock reform of state-owned banks gradually optimize the capital structure, improve the capital adequacy ratio, and public financing to expand the business scope, expanding their size and strength; On the other hand, a variety of joint-stock commercial banks such as Pudong Development Bank, Guangdong Development Bank, have been established, and through mergers and acquisitions or equity financing and increase their strength; addition, 11 December 2006 onwards full opening of China's banking industry began, the CBRC has approved 20 foreign banks The restructuring of its Chinese domestic branches foreign banks to engage in a comprehensive foreign exchange and RMB business, including RMB business to Chinese residents. These all mean the development of city commercial banks severely squeezed, more heavy competitive pressure.

2008美国次贷危机引发的全球范围内的金融危机，给全球的经济造成了重创，同时也暴露和加剧了金融市场尤其是银行业的市场风险、流动性风险等。尽管由于我国银行业参与国际市场的程度不深以及商业市场与资本市场基本隔离，金融危机对我国银行业的直接冲击并不大，但是金融危机对于实体经济的影响以越来越多地反作用于银行业。

(3) 2008 U.S. subprime mortgage crisis triggered by the global financial crisis, the global economy resulted in heavy losses, but also exposed and exacerbated the financial markets, especially in the banking market risk, liquidity risk. Although participation in the international market because of the extent of the banking sector is not deep and the commercial market and the capital market is basically isolated, the financial crisis on the direct impact of China's banking industry is not large, but the financial crisis on the real economy in order to increasingly counterproductive in banking sector. From the perspective of risk prevention, the financial crisis and China's domestic economic downturn overlay effect, banks face the risk of constantly showing a systematic, chain and unexpected characteristics and trends, including industry risk, credit risk, interest rate risk, liquidity risk and other risks, including the intertwined. For assets relatively weak city commercial banks, but should strengthen their risk awareness, improve asset structure, improve the capital adequacy ratio, thereby reducing risk.

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