银行业市场结构、效率和绩效的相关性研究——基于上海地区银行业的考察

A Comparative Study on Market Structure, Efficiency and Performance in Banking Industry——A Review Based on Shanghai Banking Industry

文章利用上海市银行业1999～2003年的相关数据,对该市银行业的市场结构、综合效率和经营绩效及其相互关系进行了实证研究.研究表明,上海市银行业是一个中等集中度的市场结构类型.利用DEA技术测定的银行业效率的结果显示,上海四大国有商业银行的整体综合效率要好于股份制商业银行,且股份制上市银行的综合效率对非上市银行不具有比较优势.此外,研究发现决定商业银行绩效水平的市场力假说和效率结构假说在上海银行业中都不成立,但是银行业的规模效率对银行绩效水平具有积极的作用.

This paper carries out empirical study on market structure, bank efficiency and their correlativity with business performance in Shanghai banking industry based on the data from 1999 to 2003. It points out that the market structure of Shanghai banking industry is a type of middle concentrated-degree one. With the adoption of DEA technique, it shows that the bank synthesis efficiency of the Four-big-state-owned commercial banks in Shanghai is higher than that of the other commercial banks, and the bank synthesis efficiency of joint stock listed banks has no advantage over that of the other un-listed commercial banks. The study also finds out that the market-power hypothesis and the efficient-structure hypothesis which are used to explain the banking performance in foreign countries are of no effect in Shanghai banking industry, except that the banking scale efficiency has positive effect on the business performance.