我国城市商业银行的经营模式选择分析

自城市商业银行成立之初，其经营活动就被限制在所在城市。但是近几年来，单一城市制经营模式的负面效应日益显现，并成为城市商业银行进一步发展的障碍。随着地区经济一体化和金融一体化的发展，资金的跨地区流动日益频繁，客户对银行服务和产品的要求也日益多元化，尤其是需要商业银行能够跨区域为其提供金融服务。伴随着城市商业银行改革的向前推进，城市商业银行要求联合、跨区域发展的愿望越来越强烈。实行新的经营模式才能提高城市商业银行的整体发展水平和市场竞争能力。

China's city commercial banks operating mode selection nalysis

Since the founding of city commercial banks, their business activities have been restricted in the host city. But in recent years, a single city -operate increasingly apparent negative effect, and become obstacles to the further development of city commercial banks. Regional economic integration and financial integration with the development of trans -regional capital flows have become increasingly frequent, customer demand for banking services and products are increasingly diversified, in particular the need for inter -regional commercial banks to provide financial services. Accompanied by the reform of the city commercial banks to move forward, the city commercial banks have aspirations of a growing strongly that need joint, cross - regional development. Introduction of the new business roodel can improve the overall level of development of city commercial banks and market competitiveness.