规模经济、市场竞争与中小商业银行发展策略研究

利用我国商业银行的资产和利润率等指标构建新增单位资产利润率以及赫芬达尔指数研究我国商业银行的规模经济与增长效率间的内在关系以及行业竞争对增长效率的影响。结果表明2004-2010年间我国大型国有、股份制以及城商行存在表现出利润随规模增长的规模经济特性,但是增长效率呈现下降趋势,市场竞争导致一些商业银行规模的外在不经济。同时结合我国商业银行发展和监管实际提出了我国城商行的未来发展策略等对策。

A Study on Scale Economy,Market Competition and Development Strategy for Small and Medium-sized Commercial Bank

This paper mainly study the inter-relationship between scale economy and increase efficiency and effect of industry competition on increase efficiency of China commercial banks through constructing statistical indexes,such as new assets to profit margins and hector fanta’s index.Results show in 2004-2010,there was the scale economic characteristic of profit increasing by scale in the state-owned large-sized and stock system commercial banks and the city commercial bank.But the increasing rate was showing in decreasing trend.Market competition led to external diseconomics of scale in some commercial banks.Meanwhile some suggestions were given for the strategy of future development of city commercial banks by combining with the development and supervision in commercial banking industry development.