影响银行业效率的国家样本分析——基于半参数的可加模型方法

Analysis on Factors Affecting Banking Efficiency by National Samples——Based on Semi-parameter Additive Model

以62个国家作为样本研究对象,以半参数的可加模型作为研究方法,分别从宏观经济层面、产业制度层面、产业结构层面和文化层面四个角度分析了各层次因素对银行业效率的影响。实证表明:适度的混业经营、良好的信用制度、较强的公众监督能力、资本市场的茁壮发展以及稳定的宏观经济环境能有效提高银行业的效率。而通过对银行规模的分析,也证实了银行业的确存在规模经济现象。

Based on the semi-parameter additive model and a sample of 62 countries,this paper analyzes factors affecting banking efficiency from four aspects： macroeconomic environment,industrial system,industrial structure and culture.The empirical research finds that moderate mixed operation,good credit environment,sound public oversight,robust development of capital markets and a stable macroeconomic environment can improve the efficiency of the banking industry.This paper also confirms that economies of scale do exist in the banking industry.