异质性、外部环境与城市商业银行跨区域经营决策

基于2006~2012年中国城市商业银行跨区域经营的数据，从银行异质性和外部环境两个角度研究银行跨区域经营决策的影响因素。结果发现，从银行异质性的角度来看，资产规模、资本水平、盈利能力、董事会独立性会促进城市商业银行的跨区域经营，风险水平与政府控股会阻碍城市商业银行的跨区域经营；目标地区的金融竞争程度与法律法规环境会促进城市商业银行的跨区域经营，而本地该方面因素对跨区域经营的影响不显著；本地与目标地区的经济发展水平均会促进城市商业银行的跨区域经营。

Heterogeneity, External Environment and Cross-regional Business Decision of City Commercial Banks

Based on the available data about Chinese city commercial banks from 2006 to 2012, this paper aims at studying the influencing factors of cross-regional business in city commercial banks from two angles,the Bank heterogeneity and external financial environment.In terms of the bank heterogeneity,our research finds that,bank size,capital levels,profitability and the board'independence advance cross-regional business of city commercial banks,which can be hin-dered by the risk level and the government's controlling.We find that cross-regional business can be promoted by the level of financial competition and legal environment in target areas,which is not significant in local area.Meanwhile,the level of economic development in both local and tar-get areas can develop cross-regional business for banks.