本报告对城市商业银行的财务状况和近年的主要发展特点进行了较为深入的分析,认为城市商业银行经过多年发展,虽然遭遇2008年全球性金融危机的不良影响,但在资本充足率、不良资产比率、赢利能力等方面都延续了之前的良好发展势头,综合表现良好。同时,指出了2008年城市商业银行在更名、引资、上市、联合重组、跨区经营、区域合作等方面的新进展以及中小银行在金融危机冲击下面临的困境。最后,对城市商业银行发展的战略目标与未来展望给出了自己的见解。
<<This report analyzes the financial position and main development characteristics of city commercial banks in recent years deeply. It concludes that,in spite of the negative impact of the global financial crisis in 2008,city commercial banks still continue the good performance in the capital adequacy ratio,non-performing assets ratio and profitability after these years of development. Besides,the report points out the progress of city commercial banks in these fields,so as rename,investment-attaracting,listing,restructuring and ross-boundary management,and sums up the difficulties that city commercial banks are facing.Finally,this report provides some suggestions for the development strategy and vision of city commercial banks in future.
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