相较于国有商业银行,城市商业银行在行业集中度和客户集中度方面表现更加突出。导致这种状况的深层次原因:一是成本问题,二是区域限制问题。解决问题的对策可以从确定适合自身发展的经营战略、建立完善的风险监控体系,建立健全信贷集中限额体系、推进技术创新,降低风险管理成本、拓展中小企业和小微企业贷款、大力发展银团贷款,打破区域限制、发展个体非住房消费贷款和个体经营贷款等7个方面着手。 Compared with state-owned commercial banks, urban commercial banks have become more prominent in terms of industry concentration and customer concentration. The deep-seated reasons for this situation are: First, the cost issue; second, the problem of regional restrictions. Countermeasures to solve the problem can be determined from the business strategy for its own development, and establish a sound risk monitoring system, establish and improve the credit limit system, promote technological innovation, reduce risk management costs, expand loans for SMEs and small and micro enterprises, and vigorously develop syndicated loans , Breaking regional restrictions, developing individual non-housing consumer loans and self-employed loans and other seven aspects.