Abstract:Selecting the panel data of 59 city commercial banks in China from 2008 to 2014, using SFA measure and Tobit regression analysis, this paper makes a research on regional differences in bank efficiency and influencing factors of city commercial banks. The results show that the bank efficiency in the central and the west are higher than that in the east. The regional factors that affect the efficiency of the city commercial banks include the degree of government intervention, business performance and the degree of regional finance competition, and there are regional differences in the degree of influence. In addition, there exist regional differences in the impact of bank size, non-performing loan ratio and net interest margin on the efficiency of city commercial banks. Therefore, the regional environment features cannot be ignored in making city commercial banks,development strategy and business strategy.