中国银行业规模经济效益与相关产业组织政策

大银行具有规模优势,但银行规模并不是越大越好,最佳规模是位于一定区域之内的。同时,银行业的规模经济要受到市场结构、银行制度、管理体制以及金融创新等因素的影响。本文运用指标分析、“生存竞争法”分析,以及Translog成本函数对中国银行业进行了实证考察。结果表明,规模经济在中国银行业中的确存在,但“最大”并不是“最好”,四大国有商业银行呈现一种规模不经济的状态,本文对其原因进行了剖析,并提出相应的政策建议。

Economies of Scale of Chinese Banks and Related Industrial Organization Policies

Big banks have the advantage of scale, but it's not true to say that the bigger the better. The position of the best scale is in a area instead of on a spot. At the same time, the economies of scale of banks are affected by factors such as market structure, bank system, management system, financial innovation, and so on. In this paper we analysed the situation of Chinese banks by using the methods of Index Analysis, Exist Competition Analysis, and Translog Cost Function Analysis, and found that there are economies of sacle among Chniese banks. But the "best one" is not the "largest one" . It seems that the four state-owned banks are in a situation of diseconomies of scale. We analysed the reasons and provided some policy advice.