我国商业银行规模经济效益研究

Study on the Scale Economic Effects of Commercial Banks in China

后金融危机时代,不断强化的监管要求和利率市场化改革对我国商业银行传统的过度依赖信贷扩张的经营模式产生了重要影响,我国商业银行的规模经济效益又将如何变化?基于超越对数成本函数模型的我国商业银行规模经济效益的定量研究结果表明:2010—2014年我国商业银行业整体表现出规模经济,其中我国国有商业银行表现出规模不经济,但规模不经济状况得到改善,我国全国中小型股份制商业银行和城市商业银行却表现出规模经济,但城市商业银行的规模经济效益明显要好于我国全国中小型股份制商业银行。

In the post financial crisis era, continually strengthening the regulatory requirements and the interest rate marketization reform has produced important influence on the over reliance on credit expansion business model of China’s commercial banks, how does the scale economic benefits of China’s commercial banks have changed？ Based on the translog cost function model, China’s commercial banks economies of scale quantitative results of the study shows that, during 2010 - 2014 China’s commercial banking industry as a whole has shown the scale of the economy, state-owned Commercial Banks of our country has shown the diseconomy of scale, but condition of diseconomy of scale has improved, and China’s small and medium-sized joint-stock commercial banks and city commercial banks have shown the scale economy, but the scale economic benefit of city commercial banks is obviously better than that of the small and medium-sized joint-stock commercial banks in China.