本课题根据更加全面、细致和翔实的我国城市商业银行数据(2009年以来全部城市商业银行单家法人和分支机构数据，包括资产、负债、损益表的详细数据以及资产质量数据)，从多角度构造跨区域经营指标，系统研究该指标对银行效率（分为前沿效率和全要素生产率）和银行风险（分为不良贷款率和银行Z值）的影响。除数据更加翔实以外，本课题计划动态更新数据，持续研究城市商业银行跨区域经营的效果，以期为监管层制定政策和银行管理层制定发展战略提供参考。

This project investigates the effect of geographic diversification on bank efficiency and bank risk using data on Chinese city commercial banks. Fortunately, we have very detailed financial information about these banks and their sub-branches including the assets and liabilities, income statement and quality of their financial assets (such as the non-performing loans, capital ratio, and etc.) during 2009-2011. We construct the measures of geographic diversification in many dimensions so that we could systematically examine the effect of geographic diversification on bank efficiency and bank risk. Importantly, we could update the data and continue the research for a long time.