Research On The Development Of City Commercial Banks Across The Region

The city commercial banks of China are from the former urban credit cooperatives, in order to resolve the accumulated period of China’s urban credit cooperatives lot of financial risk, regulatory agencies consider from the perspective of risk prevention in order to determine the " for development of the local economy, local businesses and residents service "business philosophy and approach. Because of the foundation of city commercial banks is not solid and have serious issues,the problem of non-performing assets early also will be transferred to the city commercial banks,coupled with these deficiencies limit the regulatory authorities will be doomed city commercial banks do not have the strength in the early stages of development across the region; accompanied by city commercial banks’ own growing strength, asset size also has been a huge improvement over the previous competitiveness will increase markedly,then the operating system of the drawbacks of a single city will began to appear,the customer service capabilities of city commercial banks to carry out operations due to geographical constraints, making it a very disadvantageous position in the fierce market competition, resulting in it there is a very large systemic risk; hand SME financing the problem is still serious, there is a strong demand for funds, and inter-regional development is undoubtedly the key to solve these two problems. But in the process of being cross-regional development, urban commercial banks also exposed its lack of risk control, blind set up remote branches management system disorder and other issues, there have a variety of risks.In this paper, the research approach taken is to regulate the analysis and comparative analysis, starting from the introduction of various theoretical basis for the development of city commercial banks across the region, and interpret their choice of development across the region for various reasons, but also a detailed description of the city commercial banks development of various periods of the current situation and the development of cross-regional analysis of the various modes of city commercial banks across regional development, be explained and examples demonstrate the advantages and disadvantages of each model junction between the concrete results obtained inter-regional development. Through case studies found that inter-regional development problems and causes of the problem, summed up the experience of China’s city commercial banks across regional development.