学校代码 10125 专业代码 020204 山西财经大学 硕硕 士士 学学 位位 论论 文文 题目 对对我国城市商业银行跨区域经营我国城市商业银行跨区域经营的思考的思考 姓 名 侯景花侯景花 专 业 金融学金融学 研究方向 商业银行经营管理商业银行经营管理研究研究 指导教师 杨有振杨有振 2013 年 3 月 5 日 University Code University Code 1012510125 Major Code Major Code 020204020204 Shanxi University of Finance Joint-stock commercial Banks in positive for financial innovation, transformation development strategy, and constantly improve their own competitive power on. Along with the regional economic integration and financial integration development, customers are cross area to business, capital across the region, thus increasingly frequent flow of customers for banking kinds of requirement increases, and city firms and primarily for small and medium-sized customer service, the city of the business needs of businesses also increases. Especially need to commercial Banks can cross area to provide financial services. The city house unitary system city system management mode cant meet the needs of the client, hindered the city commercial bank business development. City business expand business area, increase the development space is imminent. This paper from the city commercial Banks in China cross area to management theory of dialysis, this paper introduces the definition of city business with source, a summary of the proposed city businesses across the region the meaning of business. Then further analyzes the city businesses across the region management theoretical basis, and finally from two aspects analyzes the necessity of doing business across regions. Then to cross area to management the present situation to carry on the analysis, the first introduces the city businesses across the region business development course, through the case, the cross area of the specific operating mode, the effect after across the region are summarized. Then based on the analysis of the above problems, this paper puts forward our country city businesses across the region management problems, finally, this paper from the city business itself and supervision department two Angle gives more practical advice, so as to further promote the development of city business across the region. Keywords：City Commercial Bank regionalization development different modes countermeasure对我国城市商业银行跨区域经营的思考 1 目录 学位论文原创性声明 . 3 学位论文版权使用授权书 . 4 1.导论 . 1 1.1 选题背景与意义 . 1 1.2 文献综述 . 3 1.2.1 国外文献综述 . 3 1.2.2 国内文献综述 . 5 1.3 研究思路及研究方法 . 7 1.4 论文框架 . 8 2.城市商业银行跨区域经营的理论透析 . 10 2.1 城市商业银行的概述 . 10 2.1.1 城市商业银行的含义 . 10 2.1.2 城市商业银行的产生 . 10 2.2 城市商业银行跨区域经营的动因分析.11 2.2.1 城市商业银行跨区域经营的含义. 12 2.2.2 城市商业银行跨区域经营的动因. 12 2.3 城市商业银行跨区域经营的理论基础. 15 2.3.1 发展极理论 .