关键词: 经济韧性, 地方性商业银行, 逆周期信贷供给, 银行网点分布

Abstract: In recent years，Chinas urban economic development has faced external uncertainty shocks and internal multiple pressures，such as shrinking demand in the real estate market，worsening population aging，high local government debts，and slowing economic growth Promoting urban economic resilience is an important part of coordinating urban economic security and development This paper discusses how to enhance urban economic resilience from the perspective of the development of local commercial banks
Based on theoretically analyzing the countercyclical lending behavior and innovation support effect of local commercial banks，this paper uses matching data of branches of Chinese local commercial banks and urban economic status from 2008 to 2019 to examine the impact of the development of local commercial banks on urban economic resilience Furthermore，this paper uses the financial data of local commercial banks to examine the probable mechanisms 
Our findings are summarized as follows First，cities with high branch density of local commercial banks have stronger economic resilience，and this positive impact exists in the periods of resisting shock and restoring the economy Second，mechanism analysis shows that the countercyclical lending behavior of local commercial banks is the main way to enhance the cities’ ability to resist adverse shocks and restore the economy，and its countercyclical lending behavior is driven by the equity ownership of local governments and soft information Third，local commercial banks also enhance the ability of urban economic recovery through improving urban innovation ability 
The marginal contributions are as follows：First，it expands the research on the influencing factors of urban economic resilience，and provides new evidence for the research on Chinas urban economic resilience from the perspective of the development of local commercial banks Second，it enriches the research on the impact of local commercial banks on urban economic development This paper analyzes the mechanisms of local commercial banks affecting urban economic resilience in resisting shocks and restoring the economy Third，other possible factors affecting urban economic resilience are discussed，which will help policy decisionmaking and implementing agencies to respond to adverse shocks timely and formulate urban development policies

Key words: economic resilience, local commercial banks, countercyclical lending, bank branch distribution