As the innovation of competitive aggravate and banking interior system, the vivosphere of small nowadays bank is smaller and smaller. Live to beg, a few small banks begin to seek hold a group in the arms to warm oneself, with amalgamative absorb wait for means, become bigger bank, in order to obtain bigger vivosphere. Accordingly, future may have large quantities of one banks will disappear disappear, the bank with a batch of big dimensions also will be born in the meantime.

Does banking greet amalgamative tide?

Recently, bank of business of town of the Jincheng bank, bank in advance, in relief spring, Great Harmony, long control a bank the urban commercial bank with 5 provincial Shanxi is at the same time on government-owned net issue announcement, will found at holding Shanxi bank Inc. on April 15, 2021 congress and plenary meeting of first time shareholder. Mean a new provincial town commercial bank to will hold water formally.

These 5 banks begin to start from August 2020 recombine reform, amalgamative become a new bank, namely Shanxi bank. After incorporating, new Shanxi bank total assets will be close to 300 billion yuan, with one action becomes the urban commercial bank with the biggest dimensions with provincial Shanxi. The urban commercial bank that at the same time Shanxi saves also decreases by 6 reach 2.

Recently in 9 years, the bank that the bank incorporates and comes by a few wife and children so like Shanxi bank still has other. Provincial commercial bank is for instance medium, you Panzhi spends city commercial bank and cool hill city the Sichuan bank that the commercial bank incorporates and comes, still have the Liaoning bank that be about to incorporate by 12 cities commercial firm and becomes.

In farming there also is You Mianyang in commercial firm the company of combination of collaboration of credence of rural area of You Xian district of in relief city of cooperation of credence of country of city Fu the city zone, continous, continous that how city farming commercial firm incorporates and becomes commercial firm of this world farming,

Without doubt, these banks are amalgamative after becoming the bank with a bigger dimensions, also mean a batch of silver-colored guild disappear. And amalgamative trend still should meet prospective bank go down continuously, the amount of the bank also is met after less and less.

Does the reason that amalgamative tide appears have the bank what?

Above all, it is the competitive pressure that face bigger and bigger. Put delay as what our country economy increases rate, deposit grows also putting delay, want to absorb deposit to become more and more difficult for this bank. Absorbing deposit competition ability to go up, small bank is inferior to originally large and medium-sized bank, when deposit growth puts delay, the place nature of small bank is more difficult.

Besides the competition inside the industry, the competition outside the industry is even more intense also. Because products of all sorts of conduct financial transactions let a hundred flowers blossom, make partial bank deposit is reaved.

To large and medium-sized for, this may not be very big question, because themselves also can distribute product of conduct financial transactions, can cooperate to put money there them with company of banking of other blame bank, buy what conduct financial transactions without giving thought to after all, need to pass bank system. But to small bank, do these however without actual strength, can look at deposit only gradually prediction of a person's luck in a given year.

Next, the vivosphere that is small bank is smaller and smaller. The vivosphere of the bank, can look from 3 respects, they are district space, business space and breath poor space respectively.

From the point of district space, according to plan of law of newest castigatory banking law, regional bank must not cross area to begin professional work without approval, also limitted the district space of those local small banks.

Look from business space, local bank is not worth because of actual strength, not law resembling is large and medium-sized the bank is extended in that way except put the business beyond loan. When other bank scope of business bigger and bigger, and when oneself did not change all the time however, be in namely to the competitor smaller and smaller. And even if is to be being put borrow business to go up, exercisable space also is in decrescent, cannot draw deposit through tripartite platform for instance, the proportion that estate borrows money must be waited a moment inside limit range.

From the point of breath poor space, 9 years the loan interest rate of our country drops somewhat recently, and saving interest rate rises somewhat, this makes put the difference that shift interest to narrow. And small bank deposits money to can be contended for with big bank, can give out toward contact higher saving interest rate, this can let put borrow breath difference to narrow further.

So, to small bank, holding a group in the arms to warm oneself just is to beg living best outlet probably.