商业银行竞争力实证研究——基于全要素生产率的视角

The Empirical Research on the Competitiveness of Commercial Banks——Based on the Perspective of Total Factor Productivity

商业银行是否具有竞争力,可用全要素生产率(TFP)来测定,TFP是指资本、劳动及其它要素投入所带来的产出增长。本文从全要素生产率的角度,对江苏省近10年来主要商业银行生产率进行测算和比较,分析其变化趋势及影响因素,从而深入探析影响商业银行核心竞争力的本质所在,为新形势下区域商业银行提高生产率、增强竞争力提供新的发展思路。

Whether commercial banks are competitive or not can be measured by total factor productivity （TFP） which relers to the capital, labor and output growth brought by other factor inputs. From the perspective of TFP, the paper calculates and compares the productivity of main commercial banks in recent 10 years in Jiangsu province, analyzes the change trend and influencing factors, there-by deeply analyzes the nature influencing the core competitiveness of commercial banks and provides new development ideas on how to increase the productivity of regional commercial banks under the new situation and improve the competitiveness.