The Problem And Countermeasures Research Of The City Commercial Bank Cross-regional Business

City Commercial Bank is a by-product of resolving the risk of credit unions accumulation in the mid 90 century.In recent years,the City Commercial Banks are according to their characteristics,grasping the opportunities for development,accelerating the pace of reform and innovation,continuing to explore new development model.Cross regional business as one of the sustainable development of City Commercial Bank mode,realizes the resource integration around,greatly enhance the overall competitivenessand ability to resist risks.But with the gradual expansion of the scale of the part of City Commercial Banks,the defects of the single city limits presents gradually.First of all,it is not conducive to redycing the concentration and disperse risk of the loan industry.Secondly,when some customes need to the outside business of the city,If the City Commercial Bank can not provide services for these customers,they will lead to lossing the customers inevitably.The City Commercial Bank will plant hidden in the future,if their business activities confine to one place and are influenced by the local government administration.This article will focus on the current situation and the problem of city commercial banks operating in the cross-regional,by in-depth researching city commercial bank risk management and existing problems in inter-regional development process faced,and propose targeted measures of risk aversion.