The causes may be explained as follows : the lagging of legal construction ; the flaw of present supervision system ; unsoundness of market environment ; the lagging of construction of banks itself etc . as to price - making mechanism of obs , some basic principles must be obeyed and value - based mode should be employed J瓜以月以加。如伽如咖tofco二， 。砌a丙步履维艰;存款大战大大增加了银行的筹资成本;居民活期存款向定期存款转移使银行利息成本上升;银企关系不顺，逃废债多
On the one hand we consider that the small scale , the higher cost of financing , the wrong orientation in the financial market are reasons that bring the risk . , on the other hand we consider that the limitation of system , the unfair policy between the small and medium size banks and the state owned banks , the economy environment are reasons that induce the risk 认为从内部来讲偏小的经营规模、过高的筹资成本、市场定位的偏离；从外部来讲体制建设上的缺陷、国家政策的不公正待遇加上不利的外部经济环境都是目前中小银行经营困难，金融风险加大的原因。
