商业银行X效率与利益相关者关系——基于我国商业银行2004—2012年的经验数据

A Study on the Relationship between X-efficiency of Commercial Banks and Stakeholders:Based on the Emperical Data of Commercial Banks in China from 2004 to 2012

选取我国14家商业银行2004—2012年数据,采用面板Tobit模型进行实证研究,结果表明利益相关者关系对商业银行X效率有显著影响,其中业务客户关系、债权人关系对商业银行X效率的影响显著为正,而股东关系、员工关系、监管层关系对商业银行X效率的影响显著为负。

Taking the data of 14 commercial banks from 2004 to 2012 in China, using the panel Tobit model for empirical re- search, the results show that the relationship between stakeholders has significant influence on the X-efficiency of commercial banks. The influence of business customer relationship and creditor relationship on the X-efficiency of commercial banks is significantly positive, while the impact of shareholder relations, employee relations and supervision layer on the X-efficiency of commercial banks is significantly negative.