A Study On The Cross Regional Business Model Of Urban Commercial Banks In China

As the state-owned commercial banks, joint-stock commercial banks are the "third tier" of the city commercial banks, services in a single city management model and the limitations of its own development, competition is more prominent. At the same time, as a result of the service of a single city, customer concentration is relatively high,and the resulting system risks are becoming more and more prominent. With the city commercial bank’s own strength growing, from the regulatory level requirements gradually relax, the city commercial banks cross regional business activities are also in constant development, at the same time, the theory of the city commercial banks cross regional business, especially cross regional business model of the problem, and has become a hot issue.This paper elaborate the related theory, and motivation, analysis of city commercial banks cross regional operation main influencing factors of city commercial banks cross regional operation mode on the basis of the discussion, the city commercial banks in China and the development of cross regional business and cross regional the advantages and disadvantages of the camp, focuses on the main mode city commercial banks cross regional operation and practice, including the main mode of City Commercial Bank: the Bank of Beijing branch directly set up mode, mode of joint reorganization of merchants bank, Bank of Nanjing shares, remote acquisition mode and the Bank of Dongguan initiated the establishment of rural bank mode, and further to the different management mode in the operating characteristics, asset size and expansion rate, disperse risk and operational efficiency and other aspects of analysis and discussion. This paper argues that cross regional management as a city commercial bank to make a choice, some larger, more comprehensive strength of the city commercial banks can expand business scale, reduce operating costs, decentralized management risk; the sub scale is small, comprehensive strength of the city commercial banks should choose different shares, joint restructuring or launch of village banks, and the strength of the city commercial banks can not be limited to a model, according to the different cities, the most suitable for the local practice, especially the development of regional management. Finally, this paper puts forward some countermeasures and suggestions for the development of urban commercial banks, including: according to their own actual situation to choose their own mode of operation, to identify and adhereto the market positioning, adhere to the market positioning, and then also do a retreat as well as poor management should be as soon as possible to withdraw from the local market, etc.