Study On Trans-regional Development Of City Commercial Banks In China

With China's rapid economic development and opening up the financial industry, banking is becoming more competitive。Large state banks as an important complementary part of small and medium commercial banks, especially as a third tier city commercial banks, because of its geographical operations and capital-constrained small-scale, face enormous pressure to survive and develop。With economic development,city commercial banks seek to strengthen and expand the advantages of scale and enhance their ability to resist risks demands become more intense. In this process, capital expansion, renamed, trans-regional development and cross-listed, and even the layout of most of the country has become the development of city commercial banks will choose the road,Among, trans-regional development as a key strategy for the development of city commercial, Which became the subject of research papers。Combined with work experience, I discuss the main aspects from the five city commercial banks, trans-regional development issues.ChapterⅠ, introduces the topics of this background, research ideas, research methods, the paper structure, and trans-regional development of city commercial banks and international research are reviewed.ChapterⅡ, the background of city commercial banks and the current characteristics, and city commercial banks, a SWOT analysis.ChapterⅢ, through the development of city commercial banks trans-regional development to demonstrate the necessity and feasibility of that future breakthroughs in the city commercial banks, city boundaries, the inevitability of trans-regional development and feasibility.ChapterⅣ, combined with the specific case, through the current development of city commercial banks in trans-regional development comparison and analysis of different scenarios, summarized the current trans-regional development -city commercial banks, regional development of the five specific patterns, respectively, is represented by Qilu bank branches in remote mode, the Merchants Bank on behalf of the joint reorganization mode, represented by the shares of Bank of Nanjing mode of cooperation, Shandong City firm alliance model represented by the City firm alliance model to contractors on behalf of the village bank banking model.ChapterⅤanalyzes the difficulties facing the implementation of trans-regional development strategies and obstacles, and from trans-regional development of specific strategies with operational security measures given the recommendation that strengthen the capital; strengthen the system, technology, human security building; adhere to a corporate; scientific management; to strengthen risk management, improve internal control; reasonable position.This paper on China's city commercial banks through trans-regional development studies, to get the following conclusions:First, the development of city commercial banks operate under a single system under the constraints of the city increasing, gradual relaxation in the policy conditions, trans-regional development, urban commercial banks will become a major development options.Second, the city commercial banks to the huge polarization, the difference must be present to determine the development of a diversified pattern, but also determine its trans-regional development in the form of diversity.Third, according to the actual, select trans-regional development. The first need is to achieve the overall strength of its own trans-regional development needs, secondly they must have their own specific trans-regional development, strategic positioning, not blindly follow the trend.Fourth, to which trans-regional development patterns and ultimately to the city banks as a whole regionalization development trend.In this structure, this thesis focused on two core problems started, first city commercial banks should take the path of trans-regional development operations; second city commercial banks to take trans-regional development 1 road. ChaptersⅡandⅢto solve the first problem; ChaptersⅣandⅤto solve the second problem.In research methods, this study in the specification, based on qualitative research and quantitative analysis of combined, summarized and detailed analysis of the combination, the comparative study and comprehensive analysis of combining dynamic and static study of the combination of research, trying as much as possible collection of data and case information in order to reflect the city commercial banks, the latest developments trans-regional development. Overall, the main innovation of this paper lies in the different trans-regional development model were summarized, and the concept of trans-regional development has been expanded, trans-regional development includes not only direct the establishment of remote branches, merger and reorganization, buying shares for the other active forms; also includes initiating the establishment of village banks, city commercial alliances Shandong mode, with a view to better reflect the city commercial banks, the reality of trans-regional developmentOf course, this also its shortcomings:As the self-learning ability is limited by the limited nature of the search for books, papers to be improved in this place; because the paper's data collection subject to certain restrictions, so this remains to be supported by objective data further strengthened.