摘要中国经济发展“新常态”项下，与其他行业联系密切的银行业，也不可避免地步入了调整与转化时期。原有存贷款利差的盈利方式已成为过去，业务模式创新已成必然。与此同时，伴随着利率市场化及金融脱媒等的不断深化，传统金融资金出现了明显的分流情况，聚焦于金融市场内的战火愈演愈烈。在新的市场条件下，进一步辨别与深挖商业银行核心竞争力已成为一个必议的话题。多重叠加之下，发展稍显弱势的中小商业银行在市场中的表现颇令人关注。在整理国内外学者相关理论的基础上，通过收集9家上市中小商业银行的有关数据对问题进行了实证研究。在过程当中，构建了关于核心竞争力的5个一级指标和16个二级指标，运用熵权法确定各个指标权重,并以此判断和分析了中小商业银行的市场表现和发展前景。总的来讲，中小商业银行的发展还有很长的路要走。关键词：中小商业银行；竞争力；评价指标；利率市场化；熵权法ABSTRACTUnderthe"newnormal"ofChina'seconomicdevelopment,thebankingindustryclosetootherindustries,isinevitablygettingintotheadjustmentandtransformationperiod.Theoriginalprofitabilityofdepositandloanspreadshasbecomethepast,businessmodelinnovationhasbecomeinevitable.Atthesametime,alongwiththemarketizationofinterestratesandthedeepeningoffinancialdisintermediation,thetraditionalfinancialfundshaveobviousbeendivergedandthewarfocusingonthefinancialmarketintensified.Underthenewmarketconditions,tofurtheridentifyanddeepenthecorecompetitivenessofcommercialbankshasbecomeamust-seetopic.Overweight,thedevelopmentofslightlylessvulnerablesmallandmedium-sizedcommercialbanksinthemarketperformanceisquiteconcern.Onthebasisofsummarizingtherelevanttheoriesofscholarsathomeandabroad,thispapermakesanempiricalstudybycollectingthedataof9listedsmallandmediumcommercialbanks.Intheprocess,fivesub-indexesand16second-levelindexesoncorecompetenceareconstructed,andtheweightofeachindexisdeterminedbyentropymethod,andthemarketperformanceanddevelopmentprospectofsmallandmedium-sizedcommercialbanksarejudgedandanalyzed.Ingeneral,thedevelopmentofsmallandmediumcommercialbanksstillhavealongwaytogo.Keywords:smallandmedium-sizedcommercialbanks;ompetitiveness;evaluationindex;interestratemarketization；entropymethod目录TOC\o"1-3"\h\uHYPERLINK\l"_Toc30215"1.绪论PAGEREF_Toc302151HYPERLINK\l"_Toc14831"1.1研究背景和选题意义PAGEREF_Toc148311HYPERLINK\l"_Toc29507"1.1.1研究背景PAGEREF_Toc295071HYPERLINK\l"_Toc2580"1.1.2选题意义PAGEREF_Toc25802HYPERLINK\l"_Toc18282"1.2国内外研究现状PAGEREF_Toc182822HYPERLINK\l"_Toc2751