摘要
This article analyzes the impact of capital regulation on bank efficiency using panel data from 165 commercial banks in China from 2013 to 2019.The results indicate that cost efficiency changes slightly and profit efficiency fluctuates greatly.Under the pressure of capital regulation,the profit efficiency of commercial banks with sufficient capital improves,while profit efficiency of banks with insufficient capital decreases slightly,and the cost efficiency of all commercial banks increases.Based on the heterogeneity analysis of banks,it is found that the cost efficiency and profit efficiency of different types of commercial banks differ significantly in response to capital regulation.
