Compared with many opponents, the city commercial Banks have both advantages and disadvantages.

城市商业银行同众多竞争对手比较，既有劣势，也有优势。

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After China's entering WTO, the city commercial Banks are facing more severe market competitions.

中国加入WTO后，银行业面临更加剧烈的市场竞争。

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In addition, there is a need for city commercial Banks to avoid risks from balance of interests, transition time, talent pool and non-profit loans of small businesses.

另外，在转型过程中，城市商业银行还要注意利益平衡、转型时机、人才储备、小企业不良贷款等方面的风险防范。

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Without enough cash or cachet to get involved with the national banks, China's private entrepreneurs have been turning to smaller city commercial banks.

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Witness last months failure of Hokkaido Takushoku Bank, formerly one of Japans ten giant city (commercial) banks.

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China's city and rural commercial banks accounted for 43% of the wealth-management products issued in January, up from 33% issued a year earlier.

WSJ: China Tightens Regulations on Wealth Management