国务院于1995年在一些经济发达的城市，合并重组城市信用社、城市合作银行，并在这个基础上组建了城市商业银行。
经过15年的发展，城市商业银行已然发生翻天覆地的变化，正走上全新发展道路。但是现在银行业竞争激烈，城市商业银行不仅要面临国有商业银行、股份制城市商业银行以及外资银行的挑战，而且城市商业银行自身也有许多缺陷，例如：资产质量差及业务品种单一、风险抵御和控制能力弱、市场定位不清等，这些都决定了城市商业银行的业务不能满足客户的需求。城市商业银行要想生存发展，就得在发挥自身优势的同时, 不断地大力发展中间业务、提高风险管理能力、明确市场定位、联合发展道路等。
关键词： 城市商业银行；市场定位；发展策略
Abstract
State Department in 1995 in some economically developed cities, reorganized the city credit cooperatives, urban cooperative banks, and on this basis, the city set up commercial banks.After 15 years of development, urban commercial banks have seen dramatic changes already embarked on a new path of development.But now the highly competitive banking industry, city commercial banks face not only state-owned commercial banks, joint-stock commercial banks and foreign banks in the city's challenges, and the city commercial bank itself has many shortcomings, such as: poor asset quality and business single species, protect against, control riskweak, market position clear, all of which determine the business of city commercial banks can not meet customer needs.The development of city commercial banks to survive, you have to play to their strengths in the same time, continue to develop intermediary businesses, improve risk management capacity, clear market positioning, joint development of roads.
Keywords：city commercial banks; market goal; development tactics
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