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China City Commercial Bank Cross-Regional Management Countermeasures Choice

Posted on:2012-06-15Degree:MasterType:Thesis
Country:ChinaCandidate:X L ZhangFull Text:PDF
GTID:2189330338453940Subject:Finance
Abstract/Summary:PDF Full Text Request
As the third group in our financial system, the city commercial banks are limited to operate in their own city since their foundation. Now this regulation is the main obstacle of their development. By listing on the public market, the advantages of state-owned banks have greatly improved, especially on the aspect of capital and outlet; the joint-equity commercial banks have quicken their strength of financial innovation; by right of the leading thoughts and the management system, the foreign banks have occupied the high-class clients; furthermore, the rural banking cooperation and the postal savings bank of china have occupied the most market of countryside. So the market environment of the city commercial banks becomes more and more difficult.At that point, single urban model of city commercial banks have shown the negative effects. With the regional economic integration development, capital flows become more frequent across regions, services and products of banks for customer increasingly diversified demands, especially the need for commercial banks to provide cross-regional financial services. Full liberalization of the financial industry, along with the reform of city commercial banks and more intense competitive environment, cross-region operation of city commercial banks have a historical necessity, city commercial banks have entered the period of cross-region operation .Combined with the historical and current situation of the city commercial banks, this paper first discusses the necessity of cross-regional development, from the exterior, interior and financial index of realized cross-regional business city commercial bank three aspects. Then, the paper concretely analyses the different models of city commercial banks cross- regional development and pointed out the pros and cons of different modes. At last, it points out that the city commercial bank will face difficulties and challenges after realized cross-regional development business, and put forward some operational policy recommendations in order to further promote the city commercial bank cross-regional development.
Keywords/Search Tags:City Commercial Bank, Cross-Region, Development, Operation
PDF Full Text Request
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