Comparative Analysis and Influencing Factors of Comprehensive Competitiveness of Urban Commercial Bank in Jiangsu and Zhejiang Areas

Abstract

In the fierce competition of the market economy, it is difficult for small and medium-size enterprises (SMEs) to obtain enough financing, which affects their further development, and urban firms can help them. This paper selects several urban business firms in Jiangsu and Zhejiang regions, compares their comprehensive strength and explores the influencing factors, and draws the conclusion that the economic development level, government policies, the positioning of banks and strategic investors will all have an effect on the comprehensive strength of urban commercial banks. This paper also gives some suggestions that the government should be more responsible to regulate the urban banks, banks should choose whether to need strategic investors according to their own conditions, and the urban commercial banks should insist on providing financing services for small and medium-size companies, so as to promote the coordinated development of regional finance.