我国商业银行规模与效率:理论与现实的悖论

Scale and Efficiency of the Commercial Banks in China

理论分析表明银行在达到一定规模之后,规模经济弹性系数随着其规模的扩大趋于上升,规模不经济性越来越强。但采用超越对数成本函数法的实证研究,却得出了从1994年到2005年,我国商业银行规模弹性系数趋于下降,规模经济性越来越明显,银行效率趋于提高的结论。本文试图从商业银行规模经济的内部和外部两方面的因素来解释理论与现实之间的悖论。

The theoretic analysis shows that the coefficient of the scale elasticity ascends as the scale goes up, and the non - scale economic character becomes more and more notalbe as the scale of the banks reaches to some extent. But we get the conclusion that the coefficient of the scale elasticity descends from 1994 to 2005 and the efficiency of the banks tends to go up with the function of logarithm of cost exceeding as the tool to carry out demonstration research. The efficiency of the banks boosts as the scale increases. And the paper tries to explain the ＂doublewin＂ complexion by the factors both interior and exterior.