信息技术革命中我国中小商业银行的优势与劣势

在全球银行包括我国银行进行信息技术革命的过程中，我国中小商业银行所面临的形势，相对于国有大商业银行既有优势、又有劣势。其优势在于：体制上的动力优势；基础中的资源优势；“包袱”小中的“轻装”优势。其劣势在于：不公平的竞争环境的劣势；业务发展空间狭小的劣势；自身局限性的劣势及不利的经营环境造成的压力。显然，其优势在中小商业银行自身主观条件方面，而劣势主要在于发展环境客观方面。

Advantages and Disadvantages of China's Medium-sized and Small Commercial Banks during the Information Technology Revolution

During the information.revolution of the banks around the world,compared with state owned large commercial banks, banks in our country the medium sized and small commercial have both advantages and disadvantages .The advantages lie in the following: the driving force from the system; the foundation on resource; burdenlessness due to few duties. The disadvantages lie in the following aspects: the unfair environments of competition; the narrow space for profession development; the limitation of themselves; and the pressure from unfavorable environment of management. Obviously, the advantages lie in the subjective aspects, whereas the disadvantages in the objective aspects in environment of development.