中国商业银行规模与效率:理论与现实的悖论

理论分析表明,银行在达到一定规模之后,规模经济弹性系数随着其规模的扩大趋于上升,规模不经济性越来越强;采用超越成本对数函数法进行实证研究,却得出1994~2005年,中国商业银行规模弹性系数趋于下降,规模经济性越来越明显,银行效率趋于提高的结论。试图从商业银行规模经济内部和外部因素来解释理论与现实之间的悖论。

The Scale and the Efficiency of Commercial Banks of China:Paradox between Theory and the Reality

Theoretical analysis shows that when banks reach certain scales,the elastic coefficient of scale economy goes up with the enlarge of its scale,and the scale diseconomy becomes stronger and stronger;an empirical analysis is made by using surmount-cost logarithm function method,and the authors find out that from 1994 to 2005,the elastic coefficient of scale economy of commercial banks in China tends to go down,while the scale economy becomes stronger and stronger which means the efficiency of the banks tends to be improved.The paper aims to explain the paradox between theory and the reality by analyzing internal and external factors of the scale economy of commercial banks.