中印国有商业银行经营效率比较研究

本文运用DEA方法,采用中国与印度共32家国有商业银行(其中中国4家,印度28家)2004财年的经营数据,分析了其技术效率、纯粹技术效率和规模效率,并将中国与印度的国有商业银行分成两组分别对三种效率做了对比检验。结论为两国国有商业银行技术效率值较高,但72%的银行处于规模不经济阶段,取得规模经济是两国大部分国有商业银行改革要面临的选择。印度国有商业银行各项效率稍微领先中国国有商业银行,但在统计上却均无显著性。虽然印度总量资产远小于中国,金融发展历史久于中国,但从整体上来说,作者认为并不像有些文献中提到的印度银行体系效率要远高于中国。

A Comparative Study of Operational Efficiency between Indian and Chinese State-Owned Commercial Banks

In this paper,DEA is used to analyze the operational data of 32 state-owned commercial banks in China and India(4 Chinese banks and 28 Indian banks)in the fiscal year of 2004 in terms of technical efficiency,pure technical efficiency and scale efficiency.A comparative study is made of these banks in two groups divided by country.It is found that state-owned commercial banks of these two countries are technically efficient,but 72% of them are not economically efficient even if their scale is relatively large.To have a scale economy is the goal o reform f to be reached by most state-owned commercial banks of these two countries.Although Indian state-owned commercial banks perform a little better than their Chinese counterparts in the above-mentioned three areas,they are not so outstanding by traditional statistical analysis.Despite their longer financial history and smaller total assets,Indian banking sector is by no means far more efficient than Chinese banks as alleged by some people elsewhere.