商业银行:效率、市场结构与绩效的关系研究

Commercial Banks:Efficiency,Market Structure and Performance Relationship

伴随着银行商业化、金融业开放和市场竞争的加剧,中国商业银行绩效增长呈现出规模加速扩张的新特征,然而2013年中国银行业利润增长却呈现出收敛下降的新特征。本文针对银行业绩效演化的特征,以产业组织的哈佛学派或芝加哥学派假说为基础,选择2001—2012年期间的数据,采用以非参数生产前沿面理论为基础的生产率指数测度方法和基于面板数据的计量模型,对各商业银行绩效水平演化趋势的影响因素及其作用机理进行了研究。结果表明,市场份额对商业银行业绩效的提升并不显著,并不符合哈佛学派的市场势力假说,而资产规模的变化率是银行业绩效的提升的主要影响因素,而对国有银行来说效率对绩效的影响小于资产规模变化率的影响。

Accompanied by bank commercial,financial openness and market competition intensifies,Chinese Commercial Bank Performance showing growth accelerated expansion of the scale of the new features,however,in 2013 China＇s banking profit growth declined convergence preached the new features.In this paper,the evolution of the performance characteristics of the banking sector,the Harvard School of Industrial Organization or the Chicago School hypothesis,based on selected data for the period 2001-2012,using a non-parametric production frontier theory-based measure of the productivity index method based on panel data econometric model,the level of performance for all commercial banks evolutionary trends influencing factors and its mechanism were studied.The results show that the market share of the commercial banking sector performance improvement is not significant,does not comply with the Harvard School of market power hypothesis,while the rate of change is the asset size of the banking sector to enhance the performance of the main factors.The efficiency of state-owned banks,the impact on performance is less than the rate of change of asset size.