摘要:经过几十年的高速发展,我国的经济实力大大加强,对外贸易的发展和对外投资的增加都要求商业银行实施跨国经营,提供更好的金融服务。而东道国的经济、商务、经济体制等是影响我国商业银行跨国经营区位选择最重要的因素。多年来，我国商业银行在跨国经营战略上只重视向“大国”进军，忽视了向“邻国”的扩张。本文对我国商业银行跨国经营的形势进行了分析，并对发达国家商业银行跨国经营的经验进行了回顾，提出我国商业银行要想获得更好的跨国发展,应调整战略，顺势而下，优先向邻国发展。

关键词：商业银行；　跨国经营；　区位选择

ABSTRACT:After decades of rapid development of our country’s economic strength greatly enhanced the development of foreign trade and foreign investment requires commercial banks to increase the implementation of cross-border operations, provide better financial services. And the host country’s economy, business, economic system, such as the impact of china’s commercial banks are multinational business location selection of the most important factor. Over the years, china’s commercial banks on business strategy at cross-border importance only to the “great power” to enter, to the neglect of the “neighbors” of the expansion. In this paper, China’s commercial banks operating cross-border  analysis of the situation, and developed commercial banking situation ,and developed commercial banking experience in multinational operations reviewed ,in order to make China’s commercial banks to obtain better cross-border development strategie should be adjusted, homeopathy and to give priority to neighboring development.

Key words: Commercial banks；　multinational operation；　area selection