我国城市商业银行跨区域经营探讨——以江苏银行为例

从2006年到2011年监管层对城市商业银行的跨区域发展的政策经历了鼓励其跨区域发展到审慎对待城商行的跨区域发展的变迁，绝大多数的城商行一直在努力地扩大自身规模，寻求跨区域发展。本文从城商行的发展现状入手，详细分析江苏银行的跨区域发展，运用DEA模型对江苏银行2006年到2011年的数据进行实证研究，得出江苏银行在跨区域发展过程中，总体上是有效率的结论。但是江苏银行在实际的经营过程中同样存在若干问题，例如地域性严重、目标客户存在偏差，对管理结构的转变的应对不足，人才战略的选择不合理。并从规模经济和目标客户方面、同地方政府的关系和组织架构方面以及人才战略与行业
自律、城商行的跨区域发展方式四个方面给予政策建议。

关键词：城市商业银行，跨区域发展，江苏银行，DEA模型
The analysis of cross-regional operation for city commercial banks in China——Bank of Jiangsu for instance

Abstract: From 2006 to 2011, the regulators were keep changing its policy on city commercial banks'cross-regional development, and the policy has gone through the changes of encouraging its cross-regional development to carefully dealing with it. The vast majority of city commercial banks have been trying to expand their scale, seeking cross-regional development. This article is based on the current development of city commercial banks, then analysing the cross-regional development of the Bank of Jiangsu in detail, and applying the DEA model to Bank of Jiangsu's data from 2006 to 2011. The research has shown that the cross-regional development of Bank of Jiangsu was basically efficient. However, during the process of actual business opertation, Bank of Jiangsu also revealed a number of problems, such as the serious regional strategy, a deviation on target customers, the slow response to the changes in management structure, the unreasonable choice of human resources strategy. Finally, the article gives policy instruction on four aspects including economies scale and target customers,local government relations and organizational structure, human resources strategy and industry self-regulation, the methods of the city commercial bank's cross-regional development.

Key words:city commercial bank,cross-regional operation,bank of Jiangsu,Data Envelopement Analysis

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