【摘要】 跨区域经营是大多数城市商业银行规模扩张时的优先选择，城市商业银行扩张的同时对银行风险承担水平也产生了很大的影响。通过收集银行网点地理分布数据和财务数据，采用系统GMM两步法分析了2015-2020年我国68家城市商业银行跨区域经营与银行风险承担之间的关系，并探讨了股权结构对二者关系的调节作用。结果发现：城市商业银行跨区域经营对其风险承担水平有降低作用，加入异地股东的影响因素后，跨区域经营对城市商业银行风险承担水平的降低作用更加显著，且具有明显的异质性，对于偏向于在总部以外的城市设立网点的城市商业银行，异地股东持股比例的调节作用效果更加明显。更多还原

【Abstract】 Cross-regional operation is the first choice for most city commercial banks when they expand their scale. The expansion of city commercial banks also has a great impact on the bank’s risk-taking. This paper collects the geographical distribution data and financial data of bank branches, and uses the system GMM two-step method to analyze the relationship between the cross-regional operation and bank risk-taking of 68 city commercial banks in my country from 2015 to 2020, and discusses the regulating effect of equity structure on the relationship of cross-regional operation and bank risk-taking. The results show that the cross-regional operation of city commercial banks has a reducing effect on their risk-taking. After adding the influencing factors of non-local shareholders, the effect of cross-regional operation on reducing the risk-taking of city commercial banks is more significant and has obvious heterogeneity. For city commercial banks that set up more branches in cities other than the cities where their headquarters are located, the adjustment effect of the shareholding ratio of non-local shareholders is more obvious.更多还原