中文摘要：

本文使用我国城市商业银行2004—2009年跨区域经营数据，首次对城市商业银行跨区域经营的相关问题进行了实证研究。结果发现，现阶段进行跨区域经营的城市商业银行中多是资产规模大、资本水平高、资产质量好、市场势力强的“好银行”。与只在本区域经营的银行相比，跨区域经营能有效分散投资风险，避免区域经济波动的风险，有益于降低银行风险水平。此外，跨区域经营的程度越高，银行的信贷增速越快、风险水平也显著降低。本文的这些发现为城市商业银行跨区域经营战略提供了经验支持，也为监管当局进一步改革监管政策提供了相关依据。

英文摘要：

This paper studies the effect of geographic diversification on the City Commercial Banks＇ lending be- havior,risk level and bank performance. Using 104 City Commercial Banks＇ unbalanced panel data, we find out that the geographically diversified banks are those banks with bigger size, higher capital ratio and stronger market share. Compared to the local banks, geographically diversified banks have lower risk level. Furthermore we test the effect of the geographic diversification level on banks＇ lending behavior, risk level and bank perform- ance. We ＂also find out that the higher level of geographic diversification, the higher of banks＇ loan growth ratio, and the lower of banks＇ impaired ratio. All these findings provide empirical evidences for the geographic diversification strategies of city commercial banks and the regulatory implications of regulatory bodies in China.