Financial Ecology,City Commercial Bank’s Geographic And It’s Performance

City commercial bank is an important component of China’s bank industry.The cross-region operation policies of city commercial bank have experienced control abandonment and readjustment from 2006 to 2011 and the operation itself was also controversial.On one hand,cross-region operation expands business scopes,increases capital scale and raises bank’s performance;On the other hand,some city commercial banks have exposed serious managing problems that impaired their business performances during the cross-region operation.Besides,financial ecology,as an important outer environment of city commercial bank,lacks research on the relationship between cross-region operations.In fact,China’s city commercial banks have significant regional characteristics since establishment.They focus on local business and the main factor which influences the development of city commercial bank is also local financial ecology.So does the local financial ecology exert influence on the cross-region operation of city commercial bank?If it does,how the influences are reflected.This article combines theories and practical analysis to study the influence of city commercial bank’s cross-region operation on performance.This study is based on related references of both foreign and domestic.The research targets at 76 city commercial banks in 25 provinces between 2010 and 2014 from the perspective of financial ecology.Two assumptions are proposed:cross-region operation is proportional to bank performance;with the improvement of financial ecology,cross-region operation has more significant effects on bank operation.The following is the result analysis and evaluation.Finally,conclusions are made and reasonable suggestions are provided.Limitations of this article will also be referred.The conclusions are as follows:On one hand,the extent of cross-region can significantly affect bank performance.That is to say,with the increased extent of cross-region,the better the performance and so the less the risk.On the other hand,financial ecology plays an effective role when bank performance is affected by cross-region operation,and it becomes more apparent in regions with better financial ecology.Meanwhile,suggestions are made:1.Develop cross region with proper extent.2.Pay more attention to banks’ of branches.3.Properly choose regions that intend to open branches.4.Strengthen the construction of financial ecology...