我国商业银行效率影响因素的实证研究

本文应用DEA方法得到的各商业银行的效率值作为因变量,构建Tobit回归模型,研究影响商业银行效率的主要因素,进而提出了提高我国商业银行效率水平和竞争力的相关建议。通过本文的研究,主要得出如下结论:产权结构、创新程度、总资产收益率指标和银行效率显著正相关,总资产规模、成本收入比、股权集中度与银行效率显著负相关,其中总资产收益率对银行效率的影响最大。

Empirical Study on Determinants of Chinese Commercial Banks' Efficiency

This paper resorts to Tobit regression ananysis to research the influencing factors of banks＇ efficiency,then it puts forward several proposals to improve Chinese commcial banks＇ efficiency. Through the quantitative analysis, the conclusions which the paper draws are as follows：There are several factors to influce Chinese banks＇ efficiency： asset scale, structure of property rights, degree of innovation, ratio of cost-income, total assets yield, concentration of shares,and the total assets yield has the greatest impaction on Chinese commercial banks.