Research On The Development Of Different Branches Of City Commercial Banks

With the coming of the new normal,China's current stage of the economy and the next period of it is facing a "L-type" model.Economic growth is driven more by innovation rather than investment.From the whole financial industry,with the promotion of market-based interest rate,the development of Internet finance,private equity investment and direct financing,the bank's profit source is continually squeezed and the competion pattern is undergoing dramatic changes.As banks' “gain from interest" era has gone,innovation and transformation is in urgent need.City commercial banks,as an emerging force in the banking industry,its development has improved the construction of China's financial system,in particular,supplemented the small and medium enterprises,local economies,rural economies,financing channels,city commercial firms.From the development of the past decade,the establishment of branches across the region is an important way to expand the scale of city commercial banks.However,after the cross-region branches established in the new business environment,due to the long chain of management,weak brand influence and the difficulty in building talent teams,there are issues like rising management costs,lack of competitiveness and lack of product differentiation.It is of great importance for the long-term survival and development of the cross-region branches of the city commercial banks to deal with the development strategy and realization approach according to its own and the external environment.Based on the analysis of the development of cross-regional management and the development of the cross-region branches of the city commercial bank at home and abroad,through the SWOT analysis method and the study of the actual case of J city commercial bank,combining the qualitative analysis with the quantitative analysis,the theoretical analysis and the empirical analysis,the thesis summarizes the problems encountered in the development process of the cross-region branches of the city commercial banks.The thesis also explains which issues are the key issues through case and data analysis.In addition,how to effectively deal with these issues are also discussed,in order to improve its operation management ability the business performance.This thesis argues that although the city commercial bank branches in nonlocal places are facing a difficult competitive environment,but through positioning,improving the risk management mechanism and strengthening product innovation,it still can form their own advantages,keep a foothold in the non-local regions and achieve great progress.