对我国商业银行规模经济的理论与实证研究

A Theoretical and Empirical Study of Scale Economy of Our Commercial Banks

针对困扰我国理论界和实业界的商业银行规模经济问题,本文结合我国商业银行实际提出了衡量商业银行规模经济的基本框架和理论模型。理论和实证研究表明,资本、风险和资产质量是商业银行规模效益的重要影响因素,在商业银行规模效益的计量中必须综合考虑。同时,作者提出,近年来随着我国国有商业银行经营管理效率提高和风险管理水平的提升,规模经济状况得到了明显的改善;但股份制商业银行规模经济效益出现了震荡徘徊现象。因此,我国商业银行改革必须在资本、风险和管理三维框架内进行,只有各方共同努力,才能提高我国商业银行规模经济水平,提升我国商业银行的竞争力。

Scale economy of commercial banks has been a headache for theoretical and industrial circles. In view of the reality of commercial banks in our country, a basic framework and theoretical model for measuring the scale economy of commercial banks are established. Theory and practice show that capital, risks and asset quality are important contributors to their scale economy and should be considered comprehensively. At the same time, it is believed that although conspicuous progress has been made in management efficiency, risk management and scale economy by our state-owned commercial banks, little improvement has been done in performance of scale economy of joint-stock commercial banks. So, it is imperative for our commercial banks to conduct reform simultaneous in the areas of capital, risk and management. Only though concerted efforts of all parties can the scale economy of our commercial banks be improved and their competitiveness be sharpened.