关键词: 跨省份禁令, 跨区域经营, 城商行, 风险绩效

Abstract: Based on hand-collected data of 101 city commercial banks （CCBs）that have achieved cross-regional operation in China from 2007 to 2019，this paper studies the motivation of cross-regional operation of CCBs and its impact on bank performance before and after the ban on cross-provincial expansion in 2011The fiscal pressure of local governments has promoted CCBs' cross-regional operation within the province，and the speed of within-province expansion accelerated significantly after 2011Accounting for the self-selection bias，mechanism test and mediation effect，our analysis shows that the effect of cross-regional operation has significant temporal and cross-sectional heterogeneityAfter the promulgation of the injunction，the overall risk management and profitability of CCBs have significantly improvedHowever，for CCBs that continue to expand within the province after the ban，banks located in less developed cities or banks with weaker expansion strength often face a sharp rise in non-performing loan rate and a significant decline in return on assetsMeanwhile，stronger CCBs can almost completely offset the negative impact of the expansionThis paper offers rich insights for understanding the operation of CCBs and for preventing and resolving the risk of the banking system

Key words: cross-provincial injunction, cross-regional operation, city commercial bank, bank performance