浅谈我国农村商业银行跨区域发展.pdfVIP

·182 · 价值工程 浅谈我国农村商业银行跨区域发展 Introduction to Chinas Rural Commercial Bank Development Across Regions 肖立新XIAO Li-xin ；赵元博 ZHAO Yuan-bo ；谢在阳 XIE Zai-yang （南京审计学院金融学院，南京211815） （Nanjing Audit University School of Finance ，Nanjing 211815 ，China） 摘要： 随着农村金融政策的逐渐放开，近年来农村金融机构得到了快速发展。在农信社向农商行改制之后，农商行成为农村金融 机构的主力军。其银行规模的增长与业务的扩张使得跨区域发展成为农商行的必然选择。通过实行跨区域发展战略，农商行可以有效 降低区域性风险和优化资源配置。但是，由于跨区域发展进程中出现的有关操作风险和信用风险等问题，会直接影响到农商行的谨慎 经营。因此，“站稳脚跟”和“走出去”的战略逐渐成为我国农商行持续发展进程中的一把双刃剑。 Abstract: Recently ，with the gradual liberalization of the rural financial policy, rural financial institutions had been developed rapidly. After the reformation of the rural credit cooperatives to rural commercial banks, rural commercial banks become the main force of rural financial institutions. The growth of the size of their bank and business expansion trans-regional development become inevitable choice for rural commercial banks. Through the introduction of cross-regional development strategy, rural commercial banks can effectively reduce regional risk and optimize the allocation of resources. However, due to operational risk and credit risk exists in the process of the inter-regional development,there were some impact on the prudent management of rural commercial banks. Therefore, a firm foot and going out had become a double-edged sword in the sustainable development of the process of rural commercial banks. 关键词： 农商行；跨区域发展；异地分支机构 Key words: rural commercial bank ；trans-regional development ；allopatry branch 中图分类号： 文献标识码： 文章编号： F830.33 A 1006-4311 （2013）16-0182-03 0 引言 行研究。而本文则主要从其背景，问题等方面出发，对其现 在我