Research On Cross-regional Business Model And Influencing Factors Of Urban Commercial Banks

City commercial banks are an important part of our banking system and play a very important role in the financial market.In the banking system,second only to state-owned banks and joint-stock commercial banks.At the beginning of its founding is scheduled to serve local enterprises,small and medium enterprises,for the specific population to provide quality financial services.Thus,in the early days,city commercial banks often had strong urban labels,and their development was sticking to one side.With the release of the regulation,the incentive policies were issued,the Bank of Shanghai set up its first inter-provincial branch in Ningbo,and then more and more city firms joined the cross-regional operations.But then,many city commercial banks blind expansion,but also brought some potential problems,and 2011 Qilu Bank's fraudulent credit to push this phenomenon to a high point,has become the focus of bank practitioners hot.As a result,regulators have tightened their policies.After a few years of low tide,2013 city firm cross-regional business and slowly ushered in the dawn.Today,the policy is more of an open attitude.Each city firm should be based on their own advantages and disadvantages,to analyze their own is suitable for cross-regional business re-decision.This paper studies the cross-regional operation of urban commercial banks,and uses the method of theoretical analysis and empirical analysis to understand the cross-regional business model and influencing factors in two directions.We hope to make your own suggestions for city operators and supervisors.The second chapter mainly introduces the cross-regional operation of China's urban commercial banks,through the development of China's urban commercial banks,the city of the city's commercial banks,the city's commercial banks,The status quo of the development of the firm,the cross-regional business motive of the city commercial firm,the change of the cross-regional business policy of the city commercial bank and the current situation of the cross-regional operation.The third chapter mainly discusses the mode of cross-regional operation of city commercial firms,and there is no research in this field from the perspective of content angle and space angle.The fourth chapter uses the logit model to analyze the influencing factors of cross-regional operation of city commercial firms.Chapter 5 is a summary and suggestion of the full text.