The Management Research Of City Commercial Banks In China To Cross Area

" City Commercial Bank" is our country long-term financial reform formed the special productand it is a service to local economic development the special financial institutions. At first, theChina Banking Regulatory Commission approved the formation of the city firm aims to prevent anddissolve the city credit cooperatives in serving the local economy in the process of accumulation offinancial risks, the expansion is not the preferred, this city firm operating in single city development.Because the city is the city credit cooperatives based on the converted, so the city creditcooperatives non-performing assets are passed on to the city firm, the doomed city commercialbank at the primary stage it is difficult to own development orientation for Trans-regional operation.Face the regulatory authorities of the city firm has regional restriction, primary stage of the city willbe their own market positioning is:" serve the local economy, service city residents, services forsmall and medium-sized enterprises". But with the development of city commercial banks developgradually expand, asset size has also made great progress, to strengthen their competitiveness, andregulatory authorities to gradually relax the city commercial banks to a single city limits, take thedifferent banks to rule, allows the comprehensive strength of a strong city takes the lead in realizingregional development. In order to obtain more market space, those still in poor quality of assets,financial loss is severe, leading to bank branches increase, the original bipolar management systemfailure, management of the chain is elongated and changed, various risk arises subsequently.This article is proceed with theoretical basis of the city commercial bank cross-regionaloperation, analyzes the reasons of choose to cross-regional business, introduces the development ofcross-regional business course, then summarizes the city commercial banks in China to cross areaand manage the current situation.Firstly, I analysis the various modes of the cross area to operate,take the empiried evidence, discuss various models and basic steps, summarize its advantages,andfurther manage specific effect of crosses area. Through the case analysis,I find that thedevelopment of crosses area producing a specific poblem, and explore the causes of these problemsspecific reasons, through studying medium and small commercial bank's present developmentsituation of foreign developed countries, combined with China's specific national conditions, tosummarize the experience of city commercial banks in China to cross area. At the same time, I findout some positive measures to the problems of city commercial banks in China to cross area. Findly, we make cross area more reasonable and make the city commercial bank more reasonabledevelopment.In this paper, through the contrast research to find the solutions of City Commercial Bankcross-regional business problems and the specific measures are: firstly, it is to strengthen the riskmanagement and improve the corporate governance system; secondly, it is a cross-regionaloperation should adhere to correct market positioning; thirdly, it is based on their actual situation tochoose suitable cross regional operation mode; fourthly, it is to strengthen regulatory assessmentand appropriate regulatory principles.