昨日， yesterday,银监会 The CBRC在官方网站披露《 In the official website disclosure[中国银监会办公厅关于做好2013年农村金融服务工作的通知 General office of the China banking regulatory commission on do 2013 rural financial service notice》支持推进农村信用社转制为农村商业 ]Support for the conversion of the rural credit cooperatives to promote rural commercial银行 The bank的同时，也对城商行扩张提出了要求，“允许城商行在辖内和周边经济紧密区申设分支机构，但不跨省区，抑制盲目扩张冲动”。这也意味着城商行跨省扩张被戴上了“盲目扩张”的帽子，年内很难有实质性突破，不过省内设立分行则正式得以重启。 At the same time,Also to city business expansion puts forward the requirements,"Allow city businesses in the facility and surrounding economic zone "close a branch,But don't cross provinces,Inhibition of blind expansion impulse".This also means that city businesses across the province expansion was put on the"Blind expansion"hat,Years it is difficult to have substantial breakthrough,But to set up branch in the official to restart.

　　本报讯 （记者刘新宇）昨日，银监会在官方网站披露《中国银监会办公厅关于做好2013年农村金融服务工作的通知》（以下简称《通知》），《通知》支持推进农村信用社转制为农村商业银行，“成熟一家改制一家”的同时，也对城商行扩张提出了要求，“允许城商行在辖内和周边经济紧密区申设分支机构，但不跨省区，抑制盲目扩张冲动”。

Report from our correspondent (Reporter LiuXinYu)yesterday,The CBRC official website disclosure[General office of the China banking regulatory commission on do 2013 rural financial service notice](Hereinafter referred to as[notice]),[notice]Support promote rural credit cooperatives for the conversion of the rural commercial bank,"A mature a restructuring"At the same time,Also to city business expansion puts forward the requirements,"Allow city businesses in the facility and surrounding economic zone "close a branch,But don't cross provinces,Inhibition of blind expansion impulse".

　　省内分行设立得以重启 Provincial branch set up to restart

　　银监会的《通知》主要针对农村金融工作，银监会表示，将加大涉农信贷投放，保持增速不低于各项贷款平均增速，要求各家银行优先安排信贷资金支持涉贷款，并在涉农银行业金融机构体制机制改革中明确，在保持县域法人地位不变的前提下，稳步推进农村信用社转制为农村商业银行，成熟一家改制一家。鼓励农村信用社和农村商业银行下沉服务网点。推动省联社逐步淡出行政管理职能，不得违规抽调资金集中使用，不得牵头组织非涉农社团贷款。

The banking regulatory commission (CBRC)[notice]Aimed at the rural financial work,Banking regulatory commission (CBRC) said,Will strengthen agricultural credit availability,Keep not less than the average growth rate of the loan,The priority of the arrangement for the Banks for credit funds support in loans,And in agriculture banking financial institutions in the reform of mechanism of system clearly,In the county to keep legal person status under the premise of the same,Steadily promote the development of rural credit cooperatives for the conversion of the rural commercial bank,A mature a restructuring.Encourage rural credit cooperatives and rural commercial bank sink service outlets.Promote the provincial association gradually fade out administrative functions,Not illegal transfer funds to focus on using,May not lead organization non agricultural community loans.

　　同时，银监会也表示，按照商业可持续和“贴近基层、贴近社区、贴近居民”原则，允许城商行在辖内和周边经济紧密区申设分支机构，但不跨省区，抑制盲目扩张冲动。由于《通知》中的时间期限是2013年，业内人士分析，这也就意味着监管层今年都不太可能解开城商行的跨省异地扩张的“紧箍咒”，但在“辖内和周边经济紧密区”则被允许申请设立分支机构。

At the same time,Banking regulatory commission (CBRC) said,According to the business sustainable and"Close to the base/Close to the community/Close to residents"principle,Allow city businesses in the facility and surrounding economic zone "close a branch,But don't cross provinces,Inhibition of blind expansion impulse.because[notice]The time period is 2013 years,Analysis of the personage inside course of,This also means that the supervisor this year is unlikely to solve city businesses across the province of different expansion"inhibitions",But in"Then and surrounding economic close area"It is allowed to apply for the establishment of a branch.

　　记者了解到，在2006年上海银行宁波分行挂牌开业后，城商行跨省设立异地支行拉开帷幕，并于2010年出现了集体快速扩张的局面。2010年的数据显示，当年有62家城商行跨区域设立103家异地分支行(含筹建)，扩张速度远超2009年。去年两会期间，高层明确对城商行“总想跨区域扩张”提出了批评，一再提速的城商行异地扩张出现了急刹车，城商行设立异地分行，特别是跨省设立分支机构，就基本处于暂缓的状态。

The reporter understands,In 2006, bank of Shanghai ningbo branch listed after opening,City business across the province set up different curtain subbranch of a bank,And in 2010 appeared collective expansion situation.2010 data show,Was 62 city businesses across the region set up 103 different branch(Including preparation),Expansion speed far more than 2009 years.During the last two,Top clear to city business"Always want to expand across the region"Puts forward the criticism,Speed again and again the city of foreign business expansion appeared to slam on the brakes,City business set up different branch,Especially set up branches across the province,Is basic in the state of suspended.

　　城商行大举扩张暗藏风险 City business expanding aggressively hidden risk

　　据悉，南京银行(601009,股吧)(601009）和宁波银行(002142,股吧)(002142)分别在去年10月和今年1月发布了获准筹建分行的公告。加上此次银监会的表态，城商行省内分行设立正式得以重启。

It is reported,Nanjing bank(601009,guba)(601009)And ningbo bank(002142,guba)(002142)Respectively in October last year and this year January released to the announcement of the branch.Add the regulator's comment,City business province branch set up formal to restart.

　　除了省份设立分行，不少城商行在面对异地扩张禁令时还普遍通过村镇银行“曲线扩张”。最新的消息称，多家城商行启动了大规模的人员招聘计划，包括哈尔滨银行、浙商银行、包商银行、广州银行等在内的多家城商行均在其官方网站发布了招聘公告，新一轮扩张计划已见端倪。

In addition to set up branch provinces,Many city firm in the face of different expansion injunctions also generally through the village bank"Curve expansion".Latest news said,Several city business launched large-scale personnel recruitment plan,Including Harbin bank/Zheshang bank/Contractor's bank/Guangzhou bank, several city businesses are in its official website announced the recruitment,A new round of expansion plans has weakened.

　　以浙商银行为例，该行春节前先后发布温州、西安以及深圳分行的招聘启事，其中，在深圳分行和温州分行的招聘公告中，均表示当地有支行即将开业。

To zheshang bank as an example,The bank has issued before the Spring Festival in wenzhou/Xi 'an and shenzhen branch recruitment notice,the,Wenzhou branch in shenzhen branch and the recruitment notice,All said the local have branch is getting ready for the opening.

　　人事招聘的公告也从侧面反映出了城商行在经营管理方面确实不具备扎实的基础，需要从外部大量引入人才。交通银行首席经济学家连平分析指出，尽管有北京银行(601169,股吧)、南京银行等经营不错的城商行，但在整体层面上来说，城商行在人力资源和内部规范方面与中大型银行还存在差距。大举扩张背后暗藏较大风险。

Personnel recruitment notice from the side also reflects the city firm in the business management does not have the solid foundation,Need to introduce a great number of people from outside.Bank of communications chief economist even flat analysis,Despite Beijing bank(601169,guba)/Nanjing bank business good city business,But in the whole words,City business in human resources and internal standard with large and medium bank also has the disparity.Expanding aggressively hidden behind the bigger risk.

　　连平则建议，城商行在发展上一定要有明确的清晰定位，城商行要“安分守小”，做好本地业务，适当控制一下增长速度，寻求差异化发展，这样才能在竞争中求得生存空间。

Even flat is recommended,City business in development must have clear clear positioning,City business to"Keep small volatile",Do local business,Proper control of the growth rate,For different development,Such ability in the competition for survival space.