我国商业银行 X-效率研究

从我国商业银行效率角度出发分析了我国商业银行的规模效率、范围效率和X-效率，表明我国商业银行总体效率不高。以2005～2013年的数据为例，并运用数据包络分析方法（DEA）对我国商业银行的X-效率进行实证分析，考察了其间的差异。通过多元回归论述了影响我国商业银行X-效率的因素主要有银行产权结构、金融创新、资产配置、资产质量、资本充足率、人力资源配置。提出深化产权制度改革、提高人力资源管理水平、降低不良贷款率、促进技术创新的建议。

X-Efficiency of Chinese Commercial Banks

Analyzing the scale efficiency, scope efficiency and X-efficiency from the point of view of Commercial Bank of our coun-try, the paper indieates that the overall efficiency of Chinese commercial banks is not high. With the data from 2005 to 2013 as an exam-ple, It uses the method of data envelopment analysis （DEA） to make an empirical analysis on China＆#39;s commercial banks X-efficiency and examines the difference. The factors of affecting the X-efficiency of commercial banks ’ in China are bank ownership structure, financial innovation, commercial bank＆#39;s asset allocation and asset quality, capital adequacy ratio, and human resources quality by multiple regres-sions. It puts forward to some advices such as deepening the reform of property right structure, strengthening the management of human resources, reducing the rate of bad loans and technical innovation.