Henan Province City Commercial Bank Cross-regional Operation Analysis, Zhengzhou Bank As An Example

With the development of economic integration,city commercial Banks which come from the urban credit cooperatives reform are growing, at the same time they open the cross-regional development. In the process of transformation, they gradually become an important part of China’s banking industry. They take"service the local economy, support small and medium-sized enterprises, and provide the general public service" as their market positioning. With the high quality service, they win the trust of citizens, and have played an indispensable role to our country economic development and urban construction.In the process of development, due to the limitation of a single system of city management pattern, the business scope and development of city commercial bank are limited. So "the cross-regional operation" becomes an important part of developing a blueprint for the future of city commercial Banks, and becomes one of the important trends of the development of city commercial Banks. This is also an effective method of victory in the fierce competition under the financial environment.For city commercial Banks cross-regional operation, supervision departments formulate the relevant management measures, gradually relax the access of cross-regional operation. This also provides a good policy support for the further development of city commercial Banks. With the regulatory departments and provincial, municipal government vigorously help, Zhengzhou bank whose regulatory rating rises from grade5to grade2, not only successfully overcomes the payment risk, thoroughly digested the historical burden, but also gets fast business development through more than ten years of unremitting efforts. But, as the business expanded, customers increased gradually, and the pressure of competition gradually strengthen, Zhengzhou bank also faces many cross-regional business problems.Based on the deep research of relevant theories and research status at home and abroad, this article is set in the development of city commercial Banks in China and the present situation of the cross-regional business. With Zhengzhou Bank as an example, through the analysis of its own advantages and disadvantages, we can analyze the necessity and feasibility of Zhengzhou Bank implementing the cross-regional operation strategy. So we can summarize the conditions which need to achieve and the problems that should be noticed in the chosen cross-regional business. And we can put forward the countermeasures of city commercial Banks cross-regional operation, as well as regulatory guidelines for the bank advice.