除了银行业主体，还有哪些重要的外在因素影响地方中小金融机构的可持续经营？中国首席经济学家论坛研究院院长、中欧陆家嘴国际金融研究院高级学术顾问盛松成向南方周末研究员表示，“当前以城商行和农商行为代表的地方中小金融机构在经营业绩和资产质量方面仍然承压，这主要受区域经济波动影响，也与地方中小银行综合服务能力较弱、盈利模式单一有关；同时，涉及中小金融机构的监管政策差异化设计不足，协调性也有待加强”。
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Both Joby and Archer, which is based in San Jose, California, went public in 2021 via mergers with special purpose acquisition companies. The competitors are pursuing similar, often overlapping markets. Both are developing electric air taxis as well as pursuing defense applications for their technology.
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An early IBM document states that