基于SFA的我国上市商业银行成本效率分析

Cost-Efficiency of Listed Commercial Banks in China Based on the Analysis of SFA

成本效率是影响商业银行综合竞争能力的关键因素。综合运用随机前沿分析以及柯布-道格拉斯函数,对我国16家上市商业银行在2005—2013年的成本效率进行测算,得到了相应的面板数据,并进一步进行了横纵向对比分析。分析结果表明,由于成本效率受规模、配置等因素的影响,城市商业银行、全国性股份制商业银行、国有控股商业银行的成本效率水平依次降低,因此建议大型商业银行在人力、配置、技术等方面向中小型商业银行借鉴高效管理的经验,中小型商业银行向大型商业银行学习规模扩张、实力积累等方面的经验,各类银行应扬长避短、取长补短,进一步提高成本效率,以更好更快地实现新的成长。

Cost-efficiency is a key factor affecting comprehensive competitive ability of commercial banks.The stochastic frontier analysis method was used combining with the Cobb-Douglas function to estimate the cost-efficiency value of 16 listed commercial banks of our country in 2005-2013,and then to the panel data which were obtained by the horizontal longitudinal analysis.The results showed that the cost-efficiency was affected by factors such as size and configuration,the level of costefficiency of city commercial banks,national joint-stock commercial banks and state-owned commercial banks was reducing.Thus suggested that large commercial banks needed to learn the experience of efficient management from the small and medium-sized commercial banks in such aspects as manpower,configuration and technology,at the same time,the small and medium-sized commercial banks should also learn the experience of scale expansion and accumulation of strength from the big commercial banks.Banks should foster strengths and circumvent weaknesses in order to further improve cost efficiency and achieve better and faster new growth.