Good corporate governance is a prerequisite for high-quality development of small and medium-sized commercial banks. In recent years

small and medium-sized commercial banks in their operation face credit risk

liquidity risk

operational risk

executive moral hazard and other risk factors that threaten their healthy development

which may induce systemic risks in the banking industry if not dealt with timely. Governance of small and medium-sized commercial banks is the basis and platform for risk management

which

on the other hand

is an important goal of corporate governance. On the basis of sorting out risk factors and existing problems faced by small and medium-sized commercial banks

this paper constructs an analysis framework for small and medium-sized commercial banks based on the corporate governance theory

explores the corporate governance causes hidden behind the risks of small and medium-sized banks

and develops the reform and strategic arrangement for the optimization of corporate governance of small and medium-sized banks.