The Study On Cross-regional Business Of Chinese City Commercial Banks Based On SWOT Analysis Method

City commercial banks were set up under special historical conditions, and formed in the mid 90's. In the early days, its business scope was limited to a single city, the primary mission did not lie in the scale expansion, but in order to prevent and mitigate risk. City commercial banks as an important part of our financial system, played an important role in the support of local economic development, in recent years, with the development of socio-economic integration, the rapid development of the financial sector, increasing competition between banks, city commercial banks in a single urban systems operating mode are increasing obvious negative effects, the flaw that can not form the advantages of economies of scale becomes a barrier to the further development, there is an urgent need to expand the business area, and increase the development space.In this situation, the cross-regional business of city commercial banks begins, especially in April 2006, the CBRC issued the remote branch management rules of city commercial banks, and allow city commercial banks to establish a branch across the region, which impetus the pace of cross-regional, marking a revolution of the city commercial banks operating mode. In 2009 and in 2010, the city commercial banks cross-regional development is most rapid for two years, there are both effectiveness and problems. For example, management chain lengthening, and increased risk, and market positioning, and high-quality talent competition, and so on. Therefore, the cross-regional business of city commercial banks is worthy of our in-depth study.This paper takes city commercial bank of china as research object, and takes the method of SWOT analysis as the way to research, and analyses deeply and researches the development condition of the city commercial banks cross-regional business so far. This paper is divided into six parts, the first part is the introduction, it outlines the research background, the significance, literature review, research content, research ideas and methods; The second part is mainly related to the theoretical basis, using SWOT analysis to analyze the motivation of the city commercial banks cross-regional business; Part 3 to 5 is the focus of this paper, the third part focuses on the cross-regional situation of city commercial banks at present, and summarizes characteristics of cross-regional from different aspects; Part 4 in-depth analysis and summarizes the practice of cross-regional operation in recent years, focuses on analyzing the results of cross-regional business, including problems and efforts; Part 5 bases on different angle of view on macroscopic and microscopic, stands on the market economy, regional economic development, the overall financial environment and banking development, and survey the cross-regional trends respectively, trying to study cross-regional business of city commercial banks deeply; Part 6 is the conclusion, based on the above practice analysis, proposed inter-regional development of city commercial banks is the trend, but should act according to own condition, and adhere to the market position of three services (services on the local economy, urban and rural residents, small and medium enterprises), do not follow the trend blindly, and take the difference development.