摘 要：近年來，中小商業銀行尤其是股份制銀行發展迅速，憑借其經營管理效率高、機制靈活、經營成本低等優勢，不斷健全和完善現代商業銀行體制。盡管如此，中小商業銀行的發展仍然存在諸多問題，如網點機構少、資產規模小、吸儲能力不強、產品和服務特色不足、市場定位不明確、缺乏整體發展戰略規劃等等，這些不利因素已經嚴重影響到了中小商業銀行的生存和發展。要解決這些問題，首先必須解決中小商業銀行的定位和發展戰略問題。

　　　本文以中小商業銀行做為研究對象，從國內外中小商業銀行研究和發展現狀出發，介紹了中小商業銀行定位的涵義、原則和定位策略，指出阻礙我國中小商業銀行發展的因素，并通過借鑒國外中小銀行發展經驗，以及阿里金融和浙江泰隆商業銀行的成功之處，進而就我國中小商業銀行如何結合自身優劣勢，實現可持續發展，提出合理的定位和發展戰略。本文最后得出如下如下結論：第一，中小商業銀行要找準市場定位，從目標市場客戶、銀行產品和地理區域等方面進行定位；第二，實施差異化經營策略，力爭技術領先，突出機制優勢，以中小企業為主要服務對象。 

關鍵詞：中小商業銀行定位；發展戰略；戰略創新

ABSTRACT：In recent years, small and medium commercial banks, especially the rapid development of joint-stock banks, by virtue of its management, high efficiency, flexible mechanism, operating cost advantages, and constantly improve and perfect the modern commercial banking system. Nevertheless, the development of small and medium commercial banks there are many problems, such as fewer outlets institutions, asset size is small, deposit-taking capability is not strong, the lack of product and service features, market positioning is not clear, the lack of overall strategic planning, etc. These negative factors have been seriously affected the survival of small and medium commercial banks and development. To solve these problems, we must first solve the positioning of small and medium commercial banks and development strategy.

　　　In this paper, as an object of study small and medium commercial banks, small and medium commercial banks from foreign research and development status, this paper introduces the meaning of small and medium commercial banks positioning, principles and positioning strategy, noting that hinder the development of small and medium commercial banks factors, and by drawing on foreign development experience of small and medium banks, as well as the success of ali financial and Zhejiang Tyrone commercial banks, and thus on our small and medium commercial banks to combine their strengths and weaknesses, to achieve sustainable development, put forward reasonable positioning and development strategies. Finally, draw the following conclusions are as follows: First, small and medium commercial banks to identify the market position from the target market, banking products and geographical areas and other aspects of positioning; Second, the implementation of different management strategies, and strive to leading technology, outstanding mechanism advantages to small and medium enterprises as the main target.

Keywords: The positioning of small and medium commercial banks; development strategy; strategic innovation