城市商业银行跨区域发展研究.docVIP

PAGE PAGE 16 城市商业银行跨区域发展研究 摘要：随着地区经济和金融一体化的发展，城市商业银行的跨区域发展也由此成为越来越多的人的焦点。城商行在跨区域发展的过程中也带来了许多问题，最为突出的就是规模偏小、地域受限、缺乏创新等等，这些问题将导致城市商业银行未来的发展空间逐步缩小。同时，当城商行面临需要急切解决这些问题的局面时，寻求规模化且具有更大的发展空间是他们非常强烈的诉求。基于这些我国城市商业银行跨区域经营的客观现实，许多专家学者对既有的城市商业银行跨区域经营发展的不同方面进行了系统地回顾和评述，同时也产生了对城市商业银行的跨区域发展许多不同的思考，他们运用不同的方法、不同的角度对城市商业银行的跨区域发展进行剖析，并且得出了不同的结论。本文将通过对比和归纳这些学者的研究方法和结论，对城市商业银行的跨区域发展进行回顾。 关键词：城市商业银行跨区域发展对比归纳 Research on Cross-regional Development of City Commercial Banks Abstract: With the development of regional economic and financial integration, more and more people pay attention to the trans-regional development of city commercial bank. However,there are many problems in the process of regional development,and the most prominent of which are the limited area, small scale, lack of innovation.Clearly, these problems make it decreases the survival and development space. At the same time, the city of businesses in the survival, to become stronger, seeking scale demands more and more intense. Based on the cross-regional operation the objective reality of the urban commercial Banks in China, many scholars in existing urban commercial Banks cross-regional operation and its strategic theory to carry on the review and comment systematically, which also produced the cross-regional development of city commercial Banks in many different thinking, they use different methods, different angles of the trans-regional development are analyzed, and draw very different conclusions. This article will through the contrast and summarized these scholars research methods and conclusions, and review the trans-regional development of city commercial Banks. Keywords: city commercial bank cross-regional development comparison induction 一、引言 作为我国银行业体系中的“第三梯队”，城市商业银行多为在城市信用社基础上改制而来。随着我国经济的不断发展，城市商业银行在我国银行业的发展历程中起到了越来越重要的作用。至“十一五”期末为止，我国城商行存款规模超过6 万亿，贷款规模甚至高达3.6 万亿，由此可见，城商行的发展确实对我国经济金融发展和解决中小企业融资困难有着重大影响。城市商业银行的前身是城市信用社，于1979年成立了第一家，截止2013年已经走过了34年，这一时间段几乎与改革开放同步，一般将城市商业银行说成是我国金融体制改革的产物，但它也可以说是改革开放的产物。其间主要经历了三个