摘要
本文从银行功能和内生增长模型出发,定义银行宏观效率为储蓄率、储蓄投资转化率与资本贡献率的乘积,度量了银行的宏观效率。在1999～2008年10年间,中国银行业的宏观效率均值为1.17,在决定银行宏观效率的储蓄率逐步上升的同时,储蓄投资转化率相应地稳步下降,使得银行宏观效率呈现出先上升后下降的倒"U"型趋势,这对于经济增长有一定的促进作用。提高银行的宏观效率,必须扩大国民在银行的投资渠道,增加银行储蓄,减少政府对银行放贷的干预,提升储蓄投资转化率和资本贡献率,改革银行评价体系,创造良好的社会法律环境。
Beginning with introduing bank＇s functions and endogenous growth model, the paper defines the macro-efficien- cy as the product of savings rate, savings-investment conversion ratio and capital contribution ratio and measures it with the data from 1999 to 2008. The result shows that the mean value of macro-efficiency of Chinese banking is 1.17. Along with the gradual increase of savings rate, the savings-investment conversion ratio steadily declined accordingly, resulting in the in- verted U-trend of macro-efficiency of the banking. The rise-decline trend stimulates the growth of economy to some extent. To improve the macro-efficiency of the banking, the following measures are required： widening residents＇ investment chan- nels in commercial banks, increasing savings in banks, reducing intervention of the government to bank＇s credit extension, enhancing savings-investment conversion ratio and capital contribution ratio, changing evaluation system of the bank and creating a nice social and legal environment.
出处
《金融论坛》
CSSCI
北大核心
2009年第6期48-52,共5页
Finance Forum
关键词
储蓄率
储蓄投资转化率
资本贡献率
银行宏观效率
savings rate
savings-investment conversion ratio
capital contribution ratio
macro-efficiency of the banking
