【摘要】 城市商业银行作为地方金融机构的重要组成部分，在服务地方实体经济中发挥着重要作用.本文从实证角度探讨了经济高质量发展水平对城市商业银行盈利能力的影响.研究发现：经济高质量发展对城市商业银行盈利能力的影响呈现“U”型非线性特征，且上市银行、总部位于中小型城市及非东部地区的城市商业银行更容易达到曲线的转折点.进一步讨论发现，创新发展水平和共享发展水平对城市商业银行盈利能力的提升存在门限效应.基于此，本文认为城市商业银行一方面应扎根当地市场，提升金融服务质量；另一方面应大力支持企业创新，积极开展绿色金融业务.更多还原

【Abstract】 As an important part of local financial institutions, urban commercial banks play an important role in serving the local real economy. This paper discusses the impact of the level of high-quality economic development on the profitability of urban commercial banks from an empirical perspective. It is found that the impact of high-quality economic development on the profitability of urban commercial banks takes on a ‘U’-shaped non-linear characteristic, and listed banks, urban commercial banks headquartered in small and medium-sized cities and non-eastern regions are more likely to reach the turning point of the curve. Further discussion reveals that there is a threshold effect of the level of innovation and shared development on the profitability of urban commercial banks. Based on this, this paper concludes that city commercial banks should, on the one hand, take root in the local market and improve the quality of financial services; on the other hand, they should direct substantial support to corporate innovation and actively engage in green financial services.更多还原