中国大型商业银行国际化程度及其绩效

The Internationalization Levels of Chinese Large Commercial Banks and Its Performance

本文利用2006~2012年工商银行、中国银行、建设银行的相关数据比较其国际化发展程度,并从总量绩效、平均绩效、边际绩效、联动效应四个维度分析国际化发展程度与银行绩效的关系。结果表明,中行国际化发展程度最高,工行次之,建行稍低;总量绩效和国际化程度呈正相关关系;平均绩效中,境外人均、网均利润与国际化程度呈"U"形关系,平均资产回报与国际化程度呈水平的"S"形关系;边际绩效中,边际机构产出与国际化程度呈水平的"倒S"形关系,边际人员产出、边际资产回报与国际化程度呈水平"正S"形关系;国际化发展后,工行集团一体化程度最高。

This paper uses the relevant data of ICBC, BOC and CCB during 2006-2012 to compare their internationalization levels, and analyses the relationship between internationalization level and bank performance from the perspectives of total performance, average performance, marginal performance, linkage effect. The results of the paper show that the internationalization level of BOC is the highest, which followed by ICBC, and that of CCB is a little lower; the total performance correlates positively with internationalization level; as to average performance, the overseas per capita profit and per outlet profit have a U-shaped relationship with internationalization level; the average ROA has a S-shaped relationship with internationalization level; as to marginal performance, marginal institution output has a inverted S-shaped relationship with internationalization level, but marginal per capita output and marginal ROA have a S-shaped relationship with internationalization level; since international development, the ICBC Group has the highest level of integration.