中文摘要：

本文以城市商业银行跨区域发展为视角,将不良贷款作为非期望产出纳入考察,采用方向距离函数和SBM方法对我国63家主要城市商业银行的效率进行定量测度,并在此基础上运用Mann-Whitney方法就跨区域经营对城市商业银行效率的影响进行了测度检验.研究表明,我国城市商业银行整体上受到自身资本实力、市场定位以及所处地域的经济环境的影响,存在不同程度的产出不足;但通过跨区域经营发展,城市商业银行的效率得到有效提升.

英文摘要：

Under the perspective of city commercial banks development to different regions, and take 63 major city commercial banks as the research sample, this paper treats non-performing loans as undesired output by using direction distance functions and studies technical efficiency of major city commercial banks in China with SBM. Still, this paper measures the influence which the cross-regional development strategy brought on the city commercial bank efficiency with Mann-Whitney. The empirical results show that city commercial Banks＇ outputs＇ insufficient due to the inefficiency in different degree because of its own capital strength, market positioning and economic environment. But the city commercial Banks can effectively promote its comprehensive efficiency by cross-regional development strategy.