我国商业银行效率及其影响因素的实证分析

本文运用DEA方法对我国商业银行效率进行了估计,并利用计量方法对影响银行效率的若干因素进行了经验分析,结果表明国有银行、全国性股份制商业银行和城市商业银行在效率方面并不存在显著的差异,集中型股权结构和公司治理机制是影响我国商业银行效率的重要因素;伴随着股权结构的集中,银行效率呈现出倒“U”型变化趋势。此外,规模的扩大也对银行效率提高发挥了积极的作用。

This article estimates the efficiency of state-owned and local as well as joint-stock commercial banks with 25 samples by using DEA method, makes statistically empirical analysis on several factors affecting ~bank's efficiency. The result shows that there is no evident difference in the efficiency among state-owned banks, joint-stock banks and urban commercial banks. However, centralized ownership structure and corporate governance mechanism are the key factors affecting the efficiency of commercial banks in China. With the centralization of the ownership structure, the ~bank's efficiency has a trend of reversed U. In addition; it is also found that the expansion of bank size helps to enhance its efficiency.