The Research On The Impacts On Efficiency Of Cross-Regional Operation Of City Commercial Banks

Along with the development of our country’s economy integration, as well as the deregulation on the cross-regional operation of city commercial banks, cross regional economic exchanges is more and more frequent. At the same time, city commercial banks are converted from the original mode of constrained by a single city into the head-branch mode, and then the whole country raised a climax of the trans-regional operation. This article starts from the effect on the performance of cross regional operation, analyzing the possible impact, forward or reverse, on efficiency of cross area business. Then the paper combines a few frontier efficiency analysis methods and regression method, according the data from the year of2006to2009, conducts an empirical analysis, and puts forward relevant suggestions.The content of the article is divided into five parts:The first chapter:introduction. The paper studies the background and significance, research situation, method and analyzing train, and in the time proposes the system framework.Chapter2:the conductive mechanism analysis on the influence on performance of cross area business of city commercial banks. From the scale, risk portfolio and organizational extensions, this part analyzes the specific impact of trans-regional operation on efficiency, and constructs the transmission mechanism model.Chapter three:analysis on the city commercial bank trans-regional development process and present distribution. This chapter mainly introduces the analysis of the geographic distribution status of city commercial banks that have currently realized trans-regional business in our country, as well as the status of overall geographic distribution of the branches of city commercial banks in our country.Chapter4:empirical analysis on the impact on performance of trans-regional business of city commercial banks. After combining the methods of Malmquist index and static DEA, the paper measures city commercial banks’performance value that can eliminate possible impacts on the overall environment, and then establishes the regress model, analyzing the differences of different trans-regional paths’impacts on city commercial banks’performance.Chapter5:conclusions and suggestions. Basing on empirical study results, this chapter proposes on how to effectively promote trans-regional business of the city commercial banks.