Abstract: In this paper, we use 2007-2011 China's city commercial banks data to empirically study cross-regional operation. The results show that, in the short term, China's city commercial banks are difficult to improve performance by cross-regional operation. By analyzing the level of cities’ economy and financial development of City banks’ headquarters and branches, we get a different conclusion: the higher level of economic development in headquarters location, risk of city commercial business is lower, faster economic growth brings stronger profitability, financial development reduces the profitability and operational risks; higher level of economic and financial development of branch area worsen city banks’ operation.

摘要： 本文利用我国城市商业银行2007—2011年跨区域经营数据进行实证分析，发现短期内我国城商行难以通过跨区经营来改善经营绩效。随后，本文通过分析城商行总部和异地分行所在城市的经济、金融发展水平对其经营影响，得到不同结论：总部所在地区经济发展水平越高，城商行经营风险越低，经济增长速度越快，盈利能力越强，地区的金融发展降低了盈利能力和经营风险；异地分行所在地区的经济、金融发展水平越高，越不利于城商行经营。