摘要：城市商业银行跨区域经营给我国多元化、多层次的金融格局带来了新的活力，有助于城市商业银行做大做强、实现可持续发展，也有利于满足客户跨区发展的客观需求。但随着我国金融体制改革的逐步深入与银行业的全面开放，城市商业银行的跨区域发展也出现了越来越多的问题，这些问题在一定程度上阻碍了城市商业银行的跨区域发展，所以城市商业银行要想取得持续性发展， 还需要做出战略调整。本文分析了城市商业银行跨区域发展的现状及特点，分析了城市商业银行跨区域发展中所面临的问题，并针对性地提出了解决问题的对策。本文最后以南京银行为例，通过调研分析南京银行跨区域发展的现状，指出其存在的问题，并提出解决问题的建议。 

关键词 : 城市商业银行  跨区域  发展  问题

Abstract：The cross-regional business of urban commercial banks had brought new vitality to China's diversified, multi-layered financial structure. It contributed to urban commercial banks bigger and stronger, achieved sustainable development and met the objective requirements of the customers' trans-regional development. But, with the gradual deepening of China's financial system reform and the full liberalization of the banking sector, there had been more and more problems of the cross-regional development of urban commercial banks. These problems hindered the cross-regional development of urban commercial banks. Therefore, strategic adjustments should be made if the urban commercial banks want to achieve sustainable development. This paper analyzes the status, characteristics and the issues of the cross-regional development of city commercial banks, and also puts forward the countermeasures. Finally, this paper uses Bank of Nanjing as an example, through the research and analysis of the status of cross-regional development, points out the existing issues then puts forward recommendations.

Keyword: Urban commercial banks; Cross-regional; Development; Issue

　　随着金融体制改革的不断深入，城市商业银行跨区域发展已经成为一种趋势，但并不是所有的城市商业银行都可以或都应该按照这种趋势前行。在确定发展战略之时，应该充分考虑自身的情况。而对于已经形成跨区域经营格局的城市商业银行来说，跨区域经营不是一个终点，而是一个起点，需要在不断完善中继续前行。