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Urban commercial banks are an important part of China's financial system. It plays an important role in supporting small and medium-sized enterprises, promoting the construction of inclusive financial system and practicing the national macro strategy. General Secretary Xi Jinping stressed the need to further support the development of urban commercial banks at the national financial work conference held in July. This means that the innovation and development of urban commercial banks have risen to the national strategic level. In recent years, although the urban commercial banks develop rapidly, compared with the large-scale commercial bank, the disparity still has the unceasing expansion tendency. In addition, the urban commercial bank's internal differentiation rate is also further enhanced. The rapid development of financial technology has become a precious opportunity in the financial field. It is not only the source of this differentiation, but also the means to narrow the gap. Therefore, it is necessary to analyze the development of urban commercial banks and explore their coupling with finance technology and research how urban commercial banks to develop their own core competitiveness in the development of financial technology. In the face of financial technology, urban commercial banks should grasp the opportunity in the full use of their own advantages, the rapid implant technology gene, and creating "small but beautiful", "small but excellent", "small but special", "small but wisdom" of financial technology company.

A Strategic Study on the Development of Financial Technology for Small and Medium-sized Commercial Banks-sample Analysis Based on the City's Business Community