金融控股公司背景银行的经营绩效研究

Study on the Operating Performance of Financial Holding Banks

金融控股公司是商业银行混业经营的一种有效组织模式。当前各种尚不规范的金融控股公司已成为我国金融业新的组成部分。利用随机边界生产模型比较分析我国金融控股公司背景银行与非金融控股公司背景银行的总要素生产力(TFP),并根据银行盈利能力的评价原则探讨其盈利能力差异的结果表明:近年来,我国银行业总要素生产力的增长率小幅下降,其中,金融控股公司背景银行的TFP增长率呈上升趋势,而非金融控股公司背景银行的TFP大多为负增长;金融控股公司背景银行的盈利能力也明显优于非金融控股公司背景的银行。

The financial holding company is one kind of effective organization mode for the commercial bank mixed operation. At present, various kinds of informal financial holding companies have already become a new component of the banking in China. Utilizing the stochastic frontier production model and the appraising principles of profitability, the paper analyzes the total factor productivity and the difference of profitability between the financial holding hanks and the non-financial holding banks. The result shows that in recent years the TFP increasing rate of banks in China drops slightly, and the TFP increasing rate of the financial holding banks has on the rise, but the TFP increasing rate of the non-financial holding banks has mostly negative growth. The profitability of the financial holding banks is obviously superior to that of the non-financial holding banks, too.