我国城市商业银行跨区域发展与经营效率提升研究——基于理论分析及美国的经验启示

跨区域经营已开始成为我国城市商业银行突破地域限制实现跨越式发展的突破口。从理论角度而言,跨区域经营行为能够通过多种途径和机制达到城市商业银行效率的提升。吸取美国银行业通过跨州经营获得效率提升的经验,我国城市商业银行在跨区域经营过程中应将并购作为跨区域发展的基本实现方式,并注意兼顾成本效率和利润效率。

Cross-regional operation starts to become a breakthrough for China＇s city commercial banks to break geographical restrictions and to realize rapid development. From the theoretical point of view,cross-regional operating activities may improw＂ the efficiency of city commercial banks through various channels and mechanisms.According to lessons of the American banking industry obtaining efficiency promotion through inter-state operation, China＇ s city commercial banks should take mergers and acquisitions as the basic way to achieve cross-regional development,and need to pay attention to both the cost efficiency and the profit efficiency in the process of cross-regional operating.