Based on the data of commercial bank outlets in Shaanxi Province disclosed by CBRC, the spatial and temporal evolution characteristics and influencing factors of the distribution of commercial bank outlets in Shaanxi Province at the end of 2000, 2010 and 2020 were analyzed at the municipal and county levels by using spatial autocorrelation and multiple linear regression methods. The results show that :Since 2000, the distribution of commercial bank outlets in Shaanxi Province has presented a significant global spatial autocorrelation. After nearly 20 years of development, it has been gradually presented spatial distribution pattern with Xi 'an City as the absolute core of the region and each prefecture level city as the regional sub-center. The population size, the number of enterprises above designated size and the urban area are the most significant factors affecting the distribution of commercial banks. Suggestions are put forward as follows:Commercial banks should keep setting up branches in regional centers. Appropriately reduce the number of outlets in areas with small population, small number of enterprises above designated size and small urban area. While serving the real economy, commercial banks should find the key factors affecting their own layout in different periods to cope with marketization challenges.