The formation of small bank advantage requires some internal conditions including simpler organizational structure,less layers of management,local community orientation and ownership incentives,and it is also affected by some external conditions including market competition,judicial environments and so on.
影响小银行优势形成的内部因素主要包括简单的组织结构和较少的管理层次、地方性、存在所有权激励等,同时又受市场竞争、司法环境等外部因素影响。
参考来源 - 基于小银行优势影响因素的中国社区银行改造研究·2,447,543篇论文数据，部分数据来源于NoteExpress
理论界一直存在一种“小银行优势”理论。
One kind has existed all the time in the theory circle " The advantage of pet bank " Theory.
撇开大小银行竞争优势的争论，从两者互补的市场定位角度来界定“小银行优势”存在的范围，可揭示出“小银行优势”的内涵：信息成本优势和代理成本优势；
Instead of involving the debate of competitive advantage of banks, the author thinks that small banks and the big ones are complementary to each other in the credit market.
第三，他们担心新协议将赋予大银行相对小银行而言太大的优势。
Third, they fear that the rules will give the biggest banks too much of an advantage over small banks.
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