对我国城市商业银行快速扩张的发展模式的评析

Analysing the Rapid Development Model of City Commercial Banks

近年来,城市商业银行保持着快速发展,对外扩张步伐明显加快,异地分行数量迅速增加。在规模迅速扩张的同时,其经营管理风险也在不断积聚。由于城市商业银行经营管理方式较为粗放、盈利手段相对单一、对政府依赖较重,伴随着管理半径的不断增大、同业竞争的日益激烈、宏观调控政策的逐步落实,未来持续经营将面临严峻的挑战。本文试图从城市商业银行异地扩张的现状着手,分析其经营管理中隐藏的风险,针对性地提出维护城市商业银行稳步发展的政策建议,以期为城市商业银行走上良性发展道路提供有益探索。

In recent years,city commercial banks maintained rapid development.The number of branches had a rapid increase.As the scale expanding quickly and increasing competition in the industry,the future development of CCB will face a serious challenge.This article attempts to analyze the current situation of expansion,finding its hidden risks,researching the policy of maintaining the steady development of CCB,aiming to provide a useful exploration for CCB going into a healthy development path.