Research On The Cross-regional Problems Based On The City Commercial Banks Of China

In recent years, our country banking industry through trial and error andinnovative efforts for many years, has had great development, especially the citycommercial Banks to develop more quickly.Have to city commercial Banks, urbancredit cooperatives development through restructuring and renovation now has acertain scale, in the financial bank has a pivotal role on economic development. Withthe expansion of economic development and the management in recent years, citycommercial Banks is not only confined to the development of their respectiveregions, interregional operation has been carried out.Although the city commercialBanks in our country has developed rapidly, has become the important force in thefinancial system reform, but is behind the development of the high bank risk.In thispaper, from the Angle of regional economic, are emphatically analyzed in theframework of regional economy in different area main categories of city commercialbank’s risk and risk management.Through analyzing a large amount of data tosummarize, the province of the country is divided into: developed areas of economicdevelopment, economic development medium, such as the developed region andeconomic development of underdeveloped regions in three regions. Three regionscan’t for each province is analyzed, this paper summarizes through the representativearea.It is concluded that the three major Banks risk of city commercial Banks in thearea of each are not identical, this makes unified risk prevention mechanism fordifferent parts of the bank’s risk do targeted control and prevention. This wouldrequire the adjustment according to different areas of risk management mechanism, make the city commercial bank risk prevention more targeted.This paper first threechapters respectively introduce the research significance of the article, the theory ofbank risk, city bank role in the regional economy. The fourth chapter through thedifferent areas of the country’s divided research in different regions of each main risktypes respectively.This paper creatively makes the city commercial Banks and thecombination of regional economic development, especially the regional research, tothe bank risk prevention system can improve the efficiency of the risk preventionand control.