2008 年 6 月，中国银欧亿·体育（中国）有限公司监管委员会出台《农村中小金融机构行政许可事项实 施办法》政策，受到政策性鼓励影响，吴江农村商业银行、江阴农村商业银行、合肥 科技农村商业银行等多家银行开始将跨区域经营作为重要的战略发展方向，自此拉开 了农村商业银行跨区域经营的帷幕。从总体上看，跨区域经营发展有助于农村商业银 行打破区域限制，扩大发展空间，挖掘新的市场，为银行带来新的营收增长点。但是， 跨区域经营也会为农村商业银行经营带来新的经营风险，银欧亿·体育（中国）有限公司跨区域发展风险已经 成为当下防控金融风险的重要课题，既是攻坚战，又是一场持久战，这也正是本文所 关注的焦点所在。 马鞍山农商银行作为安徽省首家改组成功的农村商业银行，在安徽省内率先实践 了“走出去”战略。从正式成立为农村商业银行的第三年起，就开始了跨区域经营。 有别于股份制银行及城商行的是，农村商业银行自身资产规模较低，资产不良率较高， 管理制度相对同业处于较低的发展阶段，为此，马鞍山农商银行先后采取学习德国 IPC（International Project Consulting）技术，开展跨区域经营，打造流程银行，开 设中德银行培训学校，打造绿色银行等措施。 本文试图将马鞍山农商银行作为案例研究对象，通过搜集一手欧亿·体育（中国）有限公司来探究马鞍山 农商银行跨区域发展中所面临的风险及相对应的风险管控策略。本文首先简要介绍了 马鞍山农商银行选择跨区域经营的基本背景，然后，总结当前跨区域经营存在的风险， 同时对马鞍山农商银行的存款、贷款、风险事件等经营数据欧亿·体育（中国）有限公司进行分析，案例研究 发现：该行跨区域存在市场风险、操作风险、信用风险等风险，并根据风险管控绩效 找出适合风险管控的竞争战略，即构建跨区域经营风险体系，从市场研判、培训、特 色产品定位等方面提高跨区域风险控制能力，培养跨区域风险管控文化。最后，给出 相关理论贡献，并进一步探讨了农村商业银行健康、快速地实施跨区域发展的若干政 策建议。 关键词：农村商业银行；跨区域发展；风险管控I ABSTRACT In June 2008, the China Banking Regulatory Commission promulgated and implemented the Measures for Implementing Administrative Licensing Matters for Rural Small and Medium-sized Financial Institutions, which encouraged rural commercial banks to conduct cross-regional operation, thus formally opening the prelude of cross-regional operation of rural commercial banks. From the practice of cross-regional operation of rural commercial banks, on the one hand, the implementation of cross-regional operation strategy of rural commercial banks does help to expand the scale and create value; on the other hand, cross-regional operation will also bring new development and operation risks to the operation of agricultural commercial banks. The risk of cross-regional development of banking industry has become an important issue to prevent and control financial risks. It is not only a battle to attack hardships, but also a protracted war, which is the focus of this paper。 Ma’anshan Rural Commercial Bank, the first rural commercial bank in Anhui Province, took the lead in going out and implemented a cross-regional management strategy. Unlike the joint-stock banks, the rural commercial banks have lower scale of assets, higher rate of non-performing assets, and their management system is at a lower stage of development compared with their counterparts. For this reason, the bank successively learns from German IPC technology, carries out cross-regional operation, builds process banks, opens training schools for Sino-German banks, and builds green banks. The risk of cross-regional development of banking industry has become an important issue to prevent and control financial risks. In view of the above problems and requirements, this paper attempts to focus on Ma'anshan Rural Commercial Bank, and take the risks and risk control in cross-regional development as the research object. Through collecting the first-hand information of Ma'anshan Rural Commercial Bank, this paper conducts investigation and research. Combining a large number of studiesand interviews, we explore the cross-regional development risks and risk managements and control of competition strategy. Firstly, this paper introduces the relevant theoretical knowledge of the cross-regional operation of the Agricultural and Commercial Bank, summarizes the risks existing in the current cross-regional operation, and analyses the data of the deposits, loans and risk events of the Ma'anshanRural Commercial Bank. It is found that there are market risks, operational risks and competition risks in the cross-regional operation of the Bank. According to theII performance of risk management and control, we can find out the competitive strategies suitable for risk management and control, that is, to build a cross-regional risk management system, to improve the cross-regional risk control ability from market research, training, product positioning and other aspects, and to cultivate cross-regional risk management and control culture. Finally, it gives the relevant theoretical contributions and practical enlightenment, so that agricultural and commercial banks can have healthy and rapid cross-regional development through this strategy. Key words: rural commercial banks; cross-regional development; risk management and control1 目 录 第一章 绪论...................................................................................................1 第一节 研究背景与研究意义....................................................................................1 一、研究背景.........................................................................................................1 二、研究意义.........................................................................................................3 第二节 研究内容及方法............................................................................................4 一、研究内容.........................................................................................................4 二、研究方法.........................................................................................................6 第三节 本文创新点....................................................................................................6 第二章 相关理论研究及文献综述...............................................................8 第一节 银行风险类型与风险管理流程....................................................................8 一、风险基本理论知识.........................................................................................8 二、风险管理流程.................................................................................................9 第二节 银行跨区域经营风险研究进展..................................................................10 一、银行跨区域发展的风险类型.......................................................................11 二、银行跨区域发展的新机遇...........................................................................12 第三节 银行跨区域风险管控研究进展..................................................................13 一、强化内部控制管理机制...............................................................................13 二、完善信息系统建设.......................................................................................13 三、科学合理地定位...........................................................................................14 四、合理调节地域限制策略...............................................................................14 第四节 农村商业银行跨区域发展动因研究进展..................................................15 一、农村商业银行跨区域发展的内生需求.......................................................15 二、农村商业银行跨区域发展的外部激励.......................................................15 第三章 研究设计.........................................................................................17 第一节 研究样本......................................................................................................17 一、样本选择.......................................................................................................172 二、案例简介.......................................................................................................19 第二节 数据搜集..............................................................................................