中国商业银行竞争效率的国际比较

在对商业银行效率概念分析和效率分析方法比较的基础上,应用数据包络分析方法对10家国内银行和6家外国银行2003～2005年的效率进行评估,结果显示,我国商业银行的效率值低于国际先进银行.基于2005年的数据,运用单要素指标分析法对我国与国际先进银行的经营效率、成本效率和资产配置效率进行比较,分析结果显示:我国商业银行整体的盈利能力较低,资产获利能力普遍较弱,资本收益率与外资银行相比还有一定差距,只有不断加强我国银行业的各项改革,才能使银行业不断地认识并改进自身的不足,进而提高银行业的效率.

An International Comparison of the Competitive Efficiency of Chinese Commercial Banks

Through a comparative analysis of efficiency concept and effectiveness of commercial banks supported by data envelope analysis method,10 domestic banks and 6 foreign banks are evaluated in terms of efficiency during 2003-2005. It is found that efficiency of our commercial banks is lower than that of world advanced banks. According to the data of 2005 processed with single-factor index approach,Chinese banks and international advanced banks are compared with regarding operational efficiency,cost and capital allocation. Result shows that the profitability of our commercial banks as a whole is lower than their foreign counterparts and so are their assets' profitability and capital returns. It is pointed out that only by incessant reform in all aspects can our commercial banks keep on learning and overcoming their weakness and improve their banking efficiency.