商业银行规模经济及其内在影响因素实证分析

Empirical Analysis of Scale Economies and Internal Effects in Commercial Banks

本文利用超越对数成本函数对我国1997年至2006年商业银行规模经济进行实证分析,并对影响商业银行规模经济内在影响因素进行实证检验。研究结果表明:从整体上看国有商业银行及股份制商业银行均存在规模经济特性,且规模经济效益均呈现出上升趋势;产权制度、绩效管理、资产质量及金融创新能够有效地促进商业银行规模经济稳步发展,是商业银行规模经济拓展的内在影响因素。

This paper using the translog cost function make the empirical analysis in scale economies of Chinese commercial banks from 1997 to 2006, and empirical test the internal affects of scale economies in commercial banks. The results show that： From the overall views that state-owned commercial banks and joint-stock commercial banks are all existing economies of scale, and showing the upward trend. Furthermore, the property rights system, performance management, asset quality and financial innovation in commercial banks can promote the steady development of economies of scale effectively, so that this internal affects are essential to expansion of scale economies of commercial banks.