中国商业银行效率生成机制模型与实证

The Formation Mechanism Model and Empirical Study of the Efficiency of Chinese Commercial Banks

通过"黑箱"理论研究中国商业银行效率生成机制,采用生产函数模型构建商业银行的效率生成模型,探求中国商业银行效率的生成规律。结果表明,资本、劳动力、管理要素的投入在相当程度上影响着中国商业银行总产出,因此,中国商业银行可以扩大资产规模、合理构建人力资源体系、提高管理水平,将有限的"原始投入"转化为"有效投入",以提高中国商业银行效率,增强市场竞争力。

This paper researches the efficiency formation mechanism of Chinese commercial banks by＂black box＂theory,employs the Cobble Douglas Model to build efficiency model and its rules.The result indicates that the input of production factors as capital,labor force and management has played a positive role in increasing the output of Chinese commercial banks.In order to promote the efficiency and competence of Chinese commercial banks,Chinese commercial banks should expand the scale of assets,restructure the human resources system,update the management level,and convert original input into effective input.