城市商业银行跨区域扩张的收益和风险

Benefits and Risks of City Commercial Banks to Expand across Regions

本文借鉴CAMEL评级体系的指标设置,从监管的角度对近几年来中国城市商业银行跨区域扩张的收益和风险进行了实证分析。实证结果发现,总行与新设分行之间的距离对其成本有显著的正影响,但对其他方面没有显著的影响;省外新设分行的成本收益率要小于省内新设分行;省内重组的城市商业银行经营绩效比自行新设分行的城市商业银行要差一些。这些结果表明城市商业银行跨区域扩张并不一定会增大其风险,对于那些经营能力强、资本和流动性比较充足,以及有能力跨区域发展的城市商业银行,不宜限制其跨区域发展。

With the indexes of CAMEL rating system, this paper, from a regulatory point of view, gives an empirical analysis of the benefits and risks of China＇s city commercial banks to expand across regions in recent years. Empirical results show that the distance between head office and new branch has a significant positive impact on the cost of the branch, but has no significant impact on other aspects; the ratio of cost and benefit of the new branch outside province is less than that inside province; the business performance of re-organized city commercial bank inside province is worse than that of new branch set by itself; These results show that the expansion of city commercial bank across regions will not certainly increase its risks and the city commercial bank that has high operating ability, abundant capital and liquidity and ability to develop across regions should not be limited.