我国商业银行x效率的影响因素分析

打开银行经营管理的“黑匣”，探讨影响x效率的各种因素，对银行改善经营管理水平、正确评估自身经营管理能力具有十分重要的意义。笔者通过研究发现，增加自有资本、提高资源配置能力、改善资产质量、提高员工受教育程度、优化年龄结构、减少经营管理费用等有利于提高银行的x效率。此外，良好的宏观经济环境也能促进银行x效率的提高。

Analysis of factor Effecting the efficiency of China's commercial banks

It is of great significance for banks to improve the management,correctly assess their management capabilities that open the "black box" of bank management and analyse the various factors affecting efficiency.This research finds that it is advantageous to enhance the efficiency of bank that increasing the equity,advancing the resources disposition ability,improving the property quality,enhancing the education level of staff,optimizing the age structure,and reducing the overhead charge;.In addition,a good macroscopic economic environment can also promote the enhancement of banks' efficiency.