Research On The Countermeasures Of Cross Regional Development Of FX City Commercial Banks

The city commercial banks in our country are mostly transformed from the urban credit cooperatives. After more than 20 years of development, they're not only an important part of China's banking industry but also an important financial supporting force for regional economic development in China. The restructuring from urban credit cooperatives to city commercial bank was intend to address various risks during the development of urban credit cooperatives. But it didn't resolve all the problems, while remains serious problems which leads the unbalanced quality of city banks now. The orientation and the basic operating principle defined by supervision departments of City Commercial Bank is to provide financial services for the local economy and the residents, which limits the direction of cross regional development at the beginning. But along with the continuous development and expansion of the city commercial banks, they get certain share in asset size, financial strength, and competitive power. But single urban management drawbacks become an important systemic risk during its development. Therefore, the CBRC issued a series of measures for the implementation of cross regional development of city commercial banks, management measures and adjustment suggestions. Thus, the cross regional development tide of city commercial banks rolls in.FX city commercial bank is a typical city commercial bank which was restructured from urban credit cooperatives. It becomes the largest one in local banks in a short time with the opportunities for development. At the same time, it carry out cross regional business following the cross regional development tide of city commercial banks. In the process of development, FX city commercial bank has obtained certain result, but also has certain risk management problems. Therefore, this article embarks from the practice of FX city commercial bank through analyzing the cross regional development problems, and provides suggestions for the sustainable development of FX city commercial bank.This paper, mainly using the norm analysis, comparative analysis and the SWOT analysis method, etc. to research on the cross regional development of FX city commercial Banks. On the basis of summary of its management and development, it analyses the external and internal environment of FX city commercial bank cross regional business development. According to the SWOT analysis of the strengths, weaknesses, opportunities and challenges, it puts forward the strategic positioning,target, strategy implementation and strategic guarantee suggestion on FX city commercial Banks cross the regional development. Meanwhile, it summarizes the cross-regional development experience of city commercial Banks in China, and provides the reference and the solution measures for its development in China.