The Study On Motivation And Performance Of Cross-regional Development Of City Commercial Banks

China's city commercial banks,which have been confined to a single city since the beginning of their operation,came into being under extremely special historical conditions.The original intention of their establishment was to rectify the iregularities in the operation of Credit Cooperatives and to resolve the local financial risks.After years of development,city commercial banks have occupied half of the financial system in China and become an extremely important part.They play an important role in the financial services of small and medium-sized enterprises and regional economy,and are of great significance to the healthy operation of China's entire economy and finance.In early days,along with the integrated development of social and economic,the financial industry also developed rapidly in this big environment.At this time,for city commercial banks,the single city operation model has become a shackle restricting their development,and the expansion of the operation area is very necessary and urgent.Faced with such a situation,the cross-regional development of city commercial banks has become inevitable.With the development of many years,city commercial banks are gradually showing differences.Whether the expansion of assets scale can realize the double improvement of business performance and management ability has become the focus of attention.Especially in the three years from 2009 to 2011,the cross-regional development of city commercial banks has been particularly rapid.There are also many problems highlighted,such as the longer managment radius,the change of market positioning,the change of performance appraisal and other issues.This article takes the city commercial banks in China as the research object,and through the narration of the historical background of their emergence,makes an in-depth study on the motivation and performance of the cross-regional development of city commercial banks.The paper is divided into five parts.The first part is an overview of the background and significance,the research status at home and abroad.The second part mainly narrates the status and role of city commercial banks in China's financial system,the current situation of domestic city commercial banks and the evolution of regulatory policies.The third part mkes an in-depth study on the motivation and influencing factors,based on the introduction of the background knowledge of cross-regional development of city commercial banks.The fourth part uses the research method of combining theoretical analysis and empirical analysis to study the influencing factors of cross-regional development performance of city commercial banks.The fifth part puts forward corresponding suggestions and policy outlook on cross-regional development performance of city commercial banks based on the above research conclusions.Cross-regional development is an important way to expand the scale of city commercial banks.Due to the problem of access,the first establishment of a off-site branch is bound to be limited by the bank's scale and operation.However,with the deepening of development,the degree of cross-regional operation depends more on capital level and scale,which weakens the influence of operation on them.From the effect point of view,the higher the degree of cross-regional development is,the more conducive to the improvement of the overall performance,mainly in the improvement of profitability and the reduction of operational risk.In addition,cross-regional development is the trend,but it should still follow its own situation and market positioning,and cannot blindly expand.At the same time,it should pay attention to the prevention of risks and the innovation of business,and walk out of the differential development path.In terms of research methods,this paper refers to the mature research methods,and combines regulatory policy requirements and literature research to detennine the influencing factors of cross-regional development and business performance of city commercial banks.Through collecting the operation data of sample banks,using econometric software such as Eviews 9,this paper makes an empirical analysis on relevant factors.Finally,it gives evaluation conclusions on relevant issues of cross-regional development based on the empirical results.At the same time,some suggestions for future development and cross-regional operation of city commercial banks are listed for reference.