海峡两岸民营银行运营绩效比较分析

Comparative Analysis of the Operational Performance of Private Banks on the Two Sides across the Taiwan Strait

采用Hicks-Moorsteen指数法,从盈利能力与风险管控两个方面,测算对比海峡两岸民营银行运营绩效。测算结果表明:与台湾地区民营银行相比,中国大陆民营银行运营绩效偏低,原因在于政策约束、金融科技人才不足及监管缺失等因素的制约。大陆民营银行应在减少业务限制、促进科技赋能、完善内部经营管理以及提升金融科技监管水平等方面加强努力。

The paper uses the Hicks-Moorsteen index method to compare the profitability performance and risk prevention performance of private banks on the two sides across the Taiwan Strait. The calculation results show that although compared with private banks in Taiwan, the operational performance of private banks in the mainland is lower, the potential for improvement is higher. Factors such as excessive management policy constraints, insufficient financial technology talents and lack of regulatory legislation restrict the overall improvement of the operational performance of private banks in the Mainland. To further improve the operational performance of private banks in the Mainland, efforts need to be made to reduce unnecessary business restrictions, improve technology to empower innovation and development, complete internal operation and management, and elevate the level of financial technology supervision.