摘要：城商行明确进行跨区域发展后，在异地的扩张遇到了很多问题和阻碍。本文首先通过对城商行跨区域发展的动因做出了解释，指出城商行突破城市界限，实现跨区域发展的必要性和可行性。然后，结合北京银行的具体案例，对北京银行的跨区域发展的优势、劣势、机会和威胁进行分析。在对劣势和威胁进一步的归纳总结时，我们发现盈利能力有限、经营风险增加等问题是城商行跨区域时都需要面对的。最后，笔者就问题提出了理性跨区域，完善内控，进行特色化经营的建议。

　　　在对城商行跨区域发展问题进行研究过程中，笔者得到以下几个观点：第一，跨区域发展将成为今后城商行的主要发展选择。第二，跨区域发展不能盲目跟风。在完善内控机制的前提下，城商行应结合各个城商行的优势，进行差异化经营。在研究方法上，笔者尽可能多的搜集跨区域发展的案例，采用规范研究，对我国城商行跨区域发展模式进行归纳总结，结合具体案例具体分析。总体而言，本文的创新之处在于用SWOT模型对北京银行进行了分析，再归纳城商行的共同问题，最后有针对性的提出应对策略，以期对城商行的经营提出一些参考意见。

关键词：城市商业银行 跨区经营 北京银行 特色化经营

Abstract: After a period of development, City Commercial Banks have gradually grown. Asset size and its competitiveness have greatly improved. So regulators adopted a "divide and conquer" regulatory approach, the gradual relaxation of the single city for urban commercial bank system limitations. However, When City Commercial Banks operate cross the region, they have suffered a series of questions such as establishing branches, blind management system failure and management links stretched. I believe that the Bank of Beijing is selected cross-regional case studies can play a big role in small to see. Beijing Bank is a typical city commercial bank, trans-regional development issues and therefore generated and proposed countermeasures have many similarities, with a strong reference value.

Key words: City Commercial Bank  trans-regional development  Beijing Bank  characteristic development