商业银行效率的内在驱动机制研究

Research on the Inner Driving Mechanism of the Commercial Banks' Efficiency

本文从商业银行经营管理角度对商业银行这一“黑箱”进行解构,并进一步探讨了商业银行效率的内在驱动机制。研究指出,驱动商业银行效率的经营管理水平主要体现在以下几个方面:一是制定合理的业务发展方向并对业务产出进行配置的能力;二是为了有效地实现这些产出而对生产技术的选择能力;三是给定生产技术条件,对原始投入要素进行有效整合的能力。商业银行的经营管理决策一旦发生偏离,将会导致经营低效率。

The paper attempts to decompose commercial banks -- a 'black box' from the perspective of operation and management and discusses the internal driving mechanism for efficiency of commercial banks. Study shows that operation and management levels that enhance efficiency of commercial banks are represented by: 1) the ability to set reasonable business directions and allocate business output; 2) the ability to select suitable product technology for target output; and 3) the ability to integrate the original investment elements under preset production conditions. Once decision-making in operation and management goes wrong, low operational efficiency will occur.