中国商业银行管理效率影响因素研究

RESEARCH ON THE FACTORS INFLUENCING COMMERCIAL BANKS' EFFICIENCY

商业银行在我国的经济活动中占主导地位,我国已经建立了以商业银行为主其他金融机构分工合作的金融体系。随着外资银行的进入以及与国际的接轨,我国即将面向全球开放金融市场,其中挑战与机遇并在,为此必须提升我国商业银行的效率。从外部(包括宏观因素和中观因素)和内部(微观因素)分析了影响我国商业银行效率的因素,其中宏观因素主要指宏观经济水平,中观因素包括市场结构、进入壁垒,微观因素主要包括银行的产权结构、内部管理、规模、资金的管理与配资、资本充足率、组织结构和中间业务,给出了提高银行效率的建议。

Commercial banks play a leading role in the economic activities of our country. China has established a financial system based on commercial banks with both division of labor and cooperation of other financial institutions. With the entry of foreign banks and international standards,China is about to face the global financial market,in which there are both challenges and opportunities,therefore,the efficiency of China＇s commercial banks has to be improved. The paper analyzes the factors influencing the efficiency of China＇s commercial banks from the external（ including macro factors and medium factors） and the internal（ micro factors）,among them,the macro factors mainly refer to the macro economic level,the medium factors include market structure and entry barriers,and the micro factors are mainly property right structure,internal management,bank scale,capital management and allocation,capital adequacy ratio,organization structure and intermediary business. The article gives advice on improving the efficiency of commercial banks.