Beginning with overview of the present situation of small and medium-sized banks abroad, the report examines the development of city commercial banks in China. It reviews the development course of the banks, takes a close look at their characteristics and the policy and economic environment that they face, and analyzes their competitiveness and investment value with key enterprises as examples. On such basis, the report looks into the future development trend of Chinese city commercial banks, and finally presents recommendations for enterprises, the government and investors respectively.

The report especially points out the following: 2004 was a year of both opportunities and challenges for Chinese city commercial banks. Following its WTO entry, China has stepped up the reform of city commercial banks while transforming the four leading state-owned commercial banks. A host of favorable policies like cross-regional operation, stock enlargement and reorganization for public listing pave the way for the development of city commercial banks. Meanwhile, China's upbeat economic situation provides favorable macroeconomic environment support. Due to the foregoing factors, although city commercial banks face competition from state-owned banks, joint-stock banks and foreign banks, together with the rigorous requirements on NPL ratio set by the China Banking Regulatory Commission, the bright prospects are foreseeable. Investors should seize the opportunity by participating in city commercial banks. They will gain generous returns.

2.Overview of China's City Commercial Banking Industry in 2004
2.1 Development Environment
2.1.1 Policy Environment
2.1.2 Relevant Environment
2.1.3 Economic Environment
2.2 Present Situation and Characteristics

3.Analysis of Competition Behavior in China's City Commercial Banking Industry in 2004
3.1 Service Competition
3.2 Competition for Customers
3.3 Joint Competition

4.Assessment of the Competitiveness of Major Enterprises in China's City Commercial Banking Industry in 2004 
4.1 Assessment Indicators
4.2 Assessment of Major Enterprises' Competitiveness

5.Analysis of Impetuses for China's City Commercial Banking Industry from 2005 to 2009
5.1 Market Factors
5.2 Policy Factors

6.Development Trend of China's City Commercial Banking Industry from 2005 to 2009 
6.1 Trend of Business Management
6.2 Trend of Operation Structure
6.3 Trend of Services
6.4 Trend of Business Innovation
6.5 Development Trend of Personnel 
6.6 Trend of IT Application

7.Forecast of China's City Commercial Banking Industry from 2005 to 2009
7.1 Forecast of Industry Development
7.2 Forecast of the Market

8.Analysis of Investment Opportunities in China's City Commercial Banking Industry from 2005 to 2009 
8.1 Assessment Indicators
8.2 Assessment of Investment Value

9.Recommendations 
9.1 Recommendations for the Government
9.2 Recommendations for Enterprises
9.3 Recommendations for Investors