Expansion Of The M & A Perspective Based On The City Commercial Bank Size

With the financial reform and financial market continues to advance, city commercial banks in China have made great progress. In recent years, the capital adequacy ratio of city commercial banks continues to improve, balance sheets have also been greatly improved. But in the face of increasingly fierce international and domestic banks between competition, city commercial banks through expansion of ways to achieve its development strategy. The study will have a very important practical and theoretical significance based on the perspective of the Mergers and Acquisitions of City Commercial Banks scale expansion.This paper reviews the theory of expansion of city commercial banks, city commercial banks analyzed the motivation expansion introduces the city commercial banks to achieve scale expansion of the approach taken, made in mergers and acquisitions to achieve scale expansion of city commercial banks are currently the most cost-effective strategic programs, and through the merger of city commercial banks and other aspects of motivation and feasibility analysis, further elaborated the relationship between urban commercial bank expansion, mergers and acquisitions and effect between, on the basis of theoretical research, carried out by the empirical applicable and comparative analysis, the use of annual data, classified order, the main factors of urban commercial banks, city commercial banks through mergers and acquisitions mergers and acquisitions for large-scale expansion of the advantages and constraints, according to the empirical case studies pros and cons. Then we put forward within a certain range to promote the city commercial bank mergers and acquisitions, and the strategic alliance mode, use of the capital market platform, improve the relevant legal system, and recommendations based on expansion and rapid development of China’s city commercial banks. Believe it faces major opportunities and challenges of Chinese city commercial banks expand business scale, improve economic efficiency has important theoretical and practical significance.Business Expansion This paper studies the city banks, urban commercial banks, M & A theory for the study of the basis, China’s urban commercial bank acquisitions practice anchored to the effect of mergers city commercial banks as the main line, the theoretical analysis and empirical analysis methods, the combined effect of mergers and acquisitions for city commercial banks arising analyzes proposed feasible policy recommendations to improve the effect of mergers of city commercial banks, expectations this article, we will give China’s urban commercial banks in order to provide practical acquisitions expansion theoretical guidance to maximize the economic effects of urban commercial bank merger, to avoid the negative effects of mergers and acquisitions,Thereby improving China’s urban commercial banks through mergers and acquisitions to achieve scale expansion of the success rate.