中资银行经营效率的模型分析和对策

Analysis and Countermeasures of Chinese Banks' Operation Efficiency by Mathematical Model

本文通过建立静态的银行利润率模型分析中资银行经营效率(用利润率衡量)受银行规模、年前利润率、存款余额占总资产的比重、贷存比、股权资本占总资产的比重、市场份额及HHI指标等指数的影响程度,用多元回归的方法找出银行利润率与这些影响因素的线性函数关系并分析造成中资银行经营效率低下的原因。最后针对模型结论,本文提出了入世后如何提高我国银行经营效率的几点建议。

This article analyzes Chinese banks' operation efficiency (weighted by profit margin) in terms of bank size, previous year's profit margin, the ratio of deposit to total capital, the ratio of loan to deposit, the ratio of shareholders' equity to total investments, the market shares and HHI index. With static model, a liner function is established between bank operation profit margin and factors mentioned above using multi-liner regressive analysis, and it analyzes the reasons why chinese banks are inefficient with the model. Finally, using the model results, the article makes several suggestions on how to improve chinese banks' operation margin after China's entry into the WTO.