中文摘要：

对于城市商业银行是否应该跨区扩张，学术界始终没有达成一致。从2006年开闸到2011年叫停，再到2013年开闸消息又起，表明监管部门也未形成明确的判断。2006-2011年开闸期间，各大城市商业银行大幅度跨区扩张，为学术研究提供了宝贵的样本。本文基于上述经验数据，研究表明：总体而言跨区扩张提高了城市商业银行的经营效率，但也体现出资本补充不畅、风险控制挑战严峻、比较优势丧失、金融配置不均等问题。建议监管部门重启城市商业银行跨区扩张，但政策可向中西部地区与中小企业倾斜；城商行应形成差异化战略定位，并做到扩张速度与内控能力提升相适应。

英文摘要：

About whether the trans regional expansion of city commercial banks is reasonable, academics have not come＇to an agreement. From the opening in 2006 to the halt in 2011, and then came the information of re-open- ing in 2013, regulatory authorities also shown have not formed a clear judgment. During the opening time of 2006- severe challenges for risk control, the loss of comparative advantage, inequality of financial co the regulatory re-open the trans regional expansion of city commercial banks, while the policy central and western regions and SMEs; City commercial banks should form a differentiated and adapt the rate of expansion with internal canacitv building. N_figure. Suggestions ： could be tilted to the strategic positioning,