中国国有商业银行效率分析

银行业效率研究是近20年以来国际金融界和各国监管当局研究的重点课题之一.近几年国内学者对于商业银行效率测评以及规模经济和影响效率因素分析也进行了深入的研究.无论是比较银行盈利能力和资产质量,还是分析其规模效应、X-无效率,都可以看出,我国国有商业银行存在着普遍的效率低下问题,其实质就在于对于资源配置的效率低下.

Analysis on the Efficiency of China State Commercial Banks

Research on banking efficiency is one of the key subjects in international finance and banking administration during the last two decades. Chinese scholars have studied in depth the measurement of commercial bank efficiency, economies of scale and efficiency factors. From the comparison of profitability, capital quality and economies of scale, we find that China state commercial banks have low efficiency, of which the inefficient resource allocation is the key reason.