本文结合工作实践、专题调研和经济学相关理论,对阜新银行发展情况及跨区经营战

略案例进行了全面的描述和深入分析。提出了四个价值点:一是银行业是一个规模经济效

应非常突出的行业;二是城商行跨区经营带來规模经济的同时,也伴随着规模不经济;三

是银行规模扩张存在着最优规模边界;四是城商行跨区发展后,增加了新的风险。针对价

值点进一步分析了银行形成规模经济的原因和银行规模不经济的因素及规模经济边界,并

且分机了城商行存在的风险。在此基础上得出阜新银行还未达到最佳规模经济,还要继续

做大做强。根据阜新银行实际给出如下建议:做特色银行,做中小企业伙伴银行,做好风

险管控,完善激励机制,降低经营成本,科学规划分支机构。

关键词:阜新银行;跨区经营;城市商业银行;规模经济;规模边界

The article combines working practice, research and economics theory, on the

development of the Bank of Fuxin and cross-regional business strategy case conducted a

comprehensive description and analysis. Put forward four points: one is the value of the

banking industry is a scale economy effect is very prominent industry; two is the city

firm cross-region management bring economies of scale at the same time,also with

diseconomies of scale; three is the bank scale expansion has optimal scale; four is the

city firm cross-region development, increased the new risk. Value point in further

analysis of the formation of scale economy and bank uneconomical scale factor of bank

and economies of scale boundary, and analyzes the city firm risk. Based on the analysis

of Bank of Fuxin has not reached the best scale economy, will continue to become

bigger and stronger. According to the Bank of Fuxin as follows: given the actual

characteristics do bank, do small and medium-sized enterprise partner banks, good risk

management, improve the incentive mechanism, to reduce the cost of operation,

scientific planning branch.

Key Words: Bank of Fuxin; Trans-regional; City commercial ; Cross-regional ;

Scale boundary