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

摘要： 近年来，中国城市经济发展面临外部不确定性冲击和内部发展多重压力，推动增强城市经济韧性是统筹城市经济安全与发展的重要部分。本文从地方性商业银行发展这一金融要素视角探讨如何增强城市经济韧性。在理论分析地方性商业银行发展影响城市经济韧性机制的基础上，本文基于中国地方性商业银行的网点分布与城市经济的匹配数据，实证检验了地方性商业银行发展对城市经济韧性的影响。研究发现，地方性商业银行网点分布密集的城市具有较强的经济韧性，这种积极影响在城市经济遭受冲击后的抵御时期和经济恢复时期均存在。机制分析表明，政府持股和软信息优势下的地方性商业银行逆周期信贷行为是提升城市经济抵御不利冲击和恢复能力的主要机制。与此同时，地方性商业银行对城市创新能力提升的支持有利于增强城市遭遇不利冲击后的经济恢复能力。本文研究表明，推动地方性商业银行发展是各城市应对内外部不确定性冲击、增强城市经济韧性的有效举措。

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