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lthough the rapid development of urban commercial banks, but there are still several issues: first, excessive concentration of business area, across the country in addition to Beijing, Bank of Shanghai, Bank of Jiangsu, Nanjing Bank and other banks, other cities Commercial banks are operating in a single city, which greatly limits the development of city commercial banks and its role in the play; Second, product and service innovation capacity is insufficient, especially for intermediate business knowledge, lack of product innovation and the intermediate business center business income as a new profit growth point, coupled with an objective area by operating a single, business networks and other factors limit is too small, difficult to develop intermediary business, only from traditional deposit and lending business to survive; Third, imperfect internal governance structure, equity is often controlled by a few agents, lending a great influence on the willingness by the government; Fourth, market positioning is not clear, the development strategy is lagging behind, still use the extensive "marketing" business strategies, such as merely focus in strong advertising and social propaganda, substantially let, high pressure of work targets policy.
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