Research On Cross-regional Operating Income And Risk Of QS Bank

City commercial banks from the time of establishment to the gradual development of the process,are closely related with the local economy.In the beginning of the establishment of their own clear,not only to serve the local economy,but also services to urban residents and small and medium enterprises.In recent years,the development of urban commercial banks has been growing,some urban commercial banks not only in local performance,but also look from the local market extension to the opportunity to more foreign markets.In April 2006,Bank of Shanghai took the lead in setting up branches in Ningbo,which made the city commercial banks realize the real-oriented inter-regional operation outside the province.The CBRC promulgated the Opinions on the Market Access Policy of Small and Medium-sized Commercial Banks in 2009(Trial),The provisions of the establishment of branches in different places of small and medium commercial banks are no longer subject to quantitative restrictions,making the number of commercial banks in different parts of the rapid growth in the short term.From the asset size,QS Bank and Bank of Beijing,Shanghai Bank compared to the smaller scale of assets in urban commercial banks are small and medium-sized commercial banks.QS Bank based on the local economic development,and gradually expand the business area,this cross-regional business not only to QS Bank to bring higher profits,but also there are more business risks.This paper first summarizes the domestic and foreign scholars for the commercial banks cross-regional business research results,and then summed up the city commercial banks cross-regional operations of the internal and external causes and the main cross-regional business model,and describes the QS Bank cross-regional operations Take the main pattern.After that,this paper introduces the status quo of QS Bank and its cross-regional operation,and analyzes the change of QS Bank's cross-regional operation and its causes.At the same time,this paper adopts the method of empirical analysis to analyze the risk of cross-regional operation of QS bank.Based on the qualitative analysis of QS bank cross-regional business risk,this paper chooses the bad loan ratio(RNPL)as the explanatory variable to measure the operational risk of QS bank(LLPS),loan concentration risk(LCR),branch number(BRA),and loan loss reserve(LLR)as the independent variable pairs between the city and the city where the QS Bank's head office is located.QS bank cross-regional business risk was quantitatively analyzed.Based on the analysis results and the status quo of cross-regional operation of QS banks,the paper puts forward the proposal of QS bank 's cross-regional operation.