摘要：我国银行的发展取得了很大的成绩，方便了人们的生活，但是银行在我国还是处于垄断地位的，尽管在局部会有一些竞争，但是大银行之间还是很少有竞争的，也就是一些小的银行之间会有局部的竞争。银行市场的资源配置不合理，是否有间隙，如基于位置的服务和管理对中小银行或政府支持区域方面自身的发展是不够的，大大限制了它的发展。我们经济发展，离不开银行的支持，区域性中小银行在我国的发展中也有不小的作用，但是它们的发展还有很多的问题，目标不明确，市场定位不合理，工作人员的素质有待提高。人才的缺乏，制约了区域性中小银行发展。本文是我针对我国中小银行的发展提出的自己对它们以后怎么发展的观点和看法。

关键词  区域性中小银行，金融服务，改革，发展战略

ABSTRACT：Today China's banking reforms have achieved fruitful results, but due to historical reasons and some of the problems of the real development of China's banking industry, there are still "oligarchs" and the local monopoly over competition coexist situation. Irrational allocation of resources in the market, whether there are gaps, such as location-based services and the management of aspects of small banks or government support for regional development itself is not enough, greatly limiting its development. Regional small banks is an important part of China's financial system, and for many the public, diversified financial services to meet the needs of a pivotal role. However, our regional small banks are still in the process of developing some of the current problems, issues such as market positioning vague, lack of discipline and strength of the internal control system and corporate governance structure and product structure is irrational, the lack of talent, which restricts the region development of small and medium banks. For some of the problems of this article regional development in the presence of small and medium commercial banks, put forward some countermeasures and suggestions.

Key words  Regional small banks, Financial Services, Reform, Development Strategy