城市商业银行跨区域经营的风险探讨.docVIP

城市商业银行跨区域经营的风险探讨 //.sdxml1234/ //.syhgtl/ //.lwplasticmachine/ //.tsccq/ The risk of operating city commercial Banks across the region 一、引言 First, the introduction 中小银行战略发展与跨区经营实务研讨会组委会对全国29个分布有城商行的省、市、自治区的140家城商行调查统计显示：截至2009年第三季度，全国140家城市商业银行中，已经实现跨省经营和省内跨区域经营的城市商业银行数目为31家，占城市商业银行总数的22％，其中，实现跨省经营的城市商业银行数量为19家，占城市商业银行总数的13.6％。 Small and medium-sized Banks inter-district management practice conference organizing committee to the national strategic development and distribution of 29 provinces, municipalities and autonomous regions have city business city of 140 business survey statistics show that by the third quarter of 2009, 140 city commercial Banks, have been implemented across the province management across the region and the province city commercial bank number is 31, accounting for 22% of the total number of city commercial Banks, among them, the number of city commercial Banks to achieve cross-regional operation is 19, accounting for 13.6% of the total number of city commercial Banks. 从我国城市商业银行近几年改革与发展的轨迹来看，“引资—更名—跨区域经营—上市”成为众多城市商业银行未来发展的“四步曲”。然而，围绕着城市商业银行跨区域经营，仍有许多富有争议的话题：与国外市场相比，我国城市商业银行跨区域经营还受到来自监管当局的监管，在我国众多的城市商业银行中，哪些银行适宜跨区域经营、哪些不适宜，影响银行跨区域经营的因素是什么？城市商业银行跨区域经营的目的又是什么，是实现规模的快速扩张，追求“大而不倒”的规模优势，还是旨在提高银行竞争力？跨区域经营对城市商业银行的绩效及风险的影响又如何？一直以来，受城市商业银行数据可获得性的限制，目前国内对城市商业银行跨区域经营的研究一直停留在案例讨论与理论分析层面，尚无此类的实证研究。为了填补这一文献空白，本文搜集了大量城市商业银行跨区域经营的数据，通过解决城市商业银行跨区域经营的样本选择问题，对以上问题进行研究，以期为城市商业银行及监管当局提供经验支持。 From China#039;s city commercial Banks in recent years, reform and development trajectory, ;investments, changed its name, cross-regional operation, the listed; become ;four steps; : for the future development of city commercial Banks. Around the city commercial Banks, however, cross-regional operation, there are still many controversial topic: compared with the foreign market, city commercial Banks in China also provides service to different regions from supervision of regulatory authorities, many city commercial Banks in our country, which is suitable for cross-regional