【作者】 谢绍荣；

【导师】 许长新；

【作者基本信息】 河海大学 ， 区域经济学， 2007， 硕士

【摘要】 根据WTO规则，随着入世过渡期结束，我国金融业全面对外开放，使得金融行业的竞争更加剧烈，这对在我国金融体系中处于“第三集团”的城市商业银行处境更加不利。城市商业银行从组建初期就被限定只能在所在城市开展业务，不得从事跨区域经营。本文首先介绍了城市商业银行的由来、特征、作用以及现存问题，指出地域限制的固有弊端，引出区域化发展概念。 本文通过对目前区域化发展模式的阐述，介绍了城市商业银行区域化发展现状，并从必要性和可行性角度，指出城市商业银行今后突破城市界限，实现跨区域发展的必然，并从动力、前提条件、战略定位、战略目标设计等方面出发，结合实例，指出我国城市商业银行区域化发展的模式不是一成不变的，不同的城市商业银行采取差别化的区域化发展战略，并且要注意防范风险。最后，本文从区域化发展的具体战略措施和战略保障方面给出了较有操作性的建议，并指出实施区域化战略可能遇到的困难与障碍。 本文表明城市商业银行群体发展的两极化、差异化必然造成一个多元化的发展格局，不管城市商业银行采取哪种跨区域发展的模式，无论是主动的区域化扩张，还是被动的区域化，最终都将顺应整体的区域化发展态势。更多还原

【Abstract】 According to the rules of WTO, with the end of the transition period of entering WTO, our banking industry is open to the outside world overall, which makes the competition between banks much fiercer, and it is disadvantageous to the city commercial banks in China. From the Foundation of city commercial banks, they were limited to the local city where they were and couldn’t operate across the region. The paper introduces the origin, characters, role, and existing problems of city commercial banks at first, points out the shortcomings of city limit, and goes the concept of regionalization development.Through the explanation of modes of regionalization development at present, the paper introduces the real state of regionalization development of city commercial banks. From the angles of necessity and feasibility, the paper indicates the trend of developing across the region, and on the basis of momentum, preconditions, strategic orientation, strategic objective, combining with real case, points out that the modes of regionalization development of city commercial banks are variable to banks who will take the different strategies, and attention should be paid to avoid risks. Finally, the paper gives some operable advices on strategic measures and strategic guarantees, as well as the possible difficulties and obstacles to regionalization development.The paper indicates that the imbalance in development among the city commercial banks will lead to a situation in which banks may develop to a different extent respectively. No matter which mode they choose, initiative or passive, finally will go with the current of regionalization development of the integral city commercial banks.更多还原