Recently,with the gradual liberalization of the rural financial policy, rural financial institutions had been developed rapidly. After the reformation of the rural credit cooperatives to rural commercial banks, rural commercial banks become the main force of rural financial institutions. The growth of the size of their bank and business expansion trans-regional development become inevitable choice for rural commercial banks. Through the introduction of cross-regional development strategy, rural commercial banks can effectively reduce regional risk and optimize the allocation of resources. However, due to operational risk and credit risk exists in the process of the inter-regional development,there were some impact on the prudent management of rural commercial banks. Therefore, "a firm foot" and"going out"had become a double-edged sword in the sustainable development of the process of rural commercial banks.% 随着农村金融政策的逐渐放开，近年来农村金融机构得到了快速发展。在农信社向农商行改制之后，农商行成为农村金融机构的主力军。其银行规模的增长与业务的扩张使得跨区域发展成为农商行的必然选择。通过实行跨区域发展战略，农商行可以有效降低区域性风险和优化资源配置。但是，由于跨区域发展进程中出现的有关操作风险和信用风险等问题，会直接影响到农商行的谨慎经营。因此，“站稳脚跟”和“走出去”的战略逐渐成为我国农商行持续发展进程中的一把双刃剑。
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