The Research Of City Commercial Bank Cross-regional Development

City commercial Banks in our country is in the special economic background, based on the restructuring and form the product of special financial subject, is different from the state-owned commercial Banks, city commercial Banks, joint-stock Banks nationwide are referred to as the "third tier" of China’s banking industry.Made of a single city management pattern is a finance background at that time, in order to prevent and control risks and unique patterns, is a product of the era characteristic.With the changing of financial conditions, such as the deepening of economic globalization and China’s financial system reform, urban commercial Banks to enhance management strength, had only to serve the local financial system functions with the development of city commercial bank has quietly changed, appeared increasingly negative effect of unitary management pattern, become the important factors that hinder its development.Exploring a new way to break the regional restrictions so as to enhance the overall competitiveness, become a city commercial bank effective strategic choice.Nowadays city commercial bank cross-regional development in full swing, in such a context, this article first introduces the related concepts of city commercial Banks.Elaborated the city commercial bank’s development is good, has become a serious force in the banking sector, foreign expansion momentum and city firms.Then through the SWOT analysis of the city commercial bank cross-regional development in dispersed geographical risk and industry risk, the pursuit of economies of scale, efficiency advantages, and disadvantages, opportunities and challenges, offered to exert the comparative advantages, to overcome the disadvantages of valiant, seize the current opportunity, meet the Then analyzed the cross-regional business now more common three kinds of modes: absorption merger, long-distance branch + equity holdings, regional joint.Cannot blindly to operate across regions and points out, want to combine their own qualifications and current situation and external conditions, choose whether to cross-regional operation, what kind of pattern to operate across regions.In the last chapter points out that to control risk prevention. Do a good job market positioning. Can’t blind to operate across regions, want to combine their own qualifications and current situation and external conditions, choose whether to cross-regional operation, what kind of pattern to operate across regions.