我国国有与股份制商业银行规模经济的比较——基于1995～2005年数据的分析

Comparative Analysis on the Economies of Scale between State-owned Commercial Banks and Joint-stock Commercial Banks in China——Based on the Data from 1995 to 2005

文章以我国1995-2005年的银行数据为样本,比较分析一直以来都让世人所关注的我国不同所有制商业银行的规模经济问题。在对国内外有关银行业规模经济问题研究的文献综述基础上,通过大量相关具体数据对我国银行业的市场结构及效益问题进行经验性的判断比较,最后运用超越对数成本函数对我国国有商业银行与股份制商业银行的规模经济问题进行实证比较分析,并得出结论：从总体上看,我国商业银行规模系数变化不大,但近几年来在规模效率方面,国有商业银行相对于股份制商业银行来说进步更为显著。

Based on China＇s 1995- 2005 banking data samples, comparative analysis has been a cause of concern to the Chinese Commercial Bank. Introducing the domestic and international economies of scale issues related to the banking Literature of the study on the basis of the first adopted in accordance with specific data related to a large number of China＇ s banking industry and the efficiency of market structure issues,finally the author uses the cost function of the number of China＇ s banking industry economies of scale empirical verification, and concludes ： China＇s commercial banks changes little at large. But in recent years state- owned commercial banks have more progress than the joint- stock commercials banks.