城市商业银行跨区域经营将有助于自身做大规模，产生规模效应，迅速提高自身经营效益，同时也满足了客户的跨区域业务需求。但与此同时，城商行跨区域经营后存在的隐患也引起了社会各界的广泛关注与担忧。本文以宁夏银行和石嘴山银行的跨区域经营为案例，介绍了两家城商行跨区域经营的发展现状，剖析了城商行跨区域经营存在的问题。在此基础上对城商行跨区域经营提出了有针对性的建议。%In 2006, the policy for city commercial banks acrossing the regional development is permited, then more and more city commercial banks begin to expand business in other regions. It is a trend that city commercial banks expanding in other regions.In one aspect, city commercial banks acrossing the regional development could have benefit for itself to expand its dimension, bring scale merit, quickly improve its business efficiency, in the same time, it also gratify the across regional need of its clients. However, the hidden trouble of city commercial banks acrossing the regional development also make great attention and anxious from people in various sectors of the community. This paper based on the cases of the Bank of NingXia and The Bank of Shi Zui Shan acrossing the regional development, introduces the status of the two city commercial banks acrossing the regional development, analyzes the problems about city commercial banks acrossing the regional development. In the end of this paper, some suggestions about city commercial banks acrossing the regional development are proposed.
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