我国商业银行规模经济及其状态比较

The Scale of China's Commercial Bank and Status Comparsion

商业银行经营规模是决定或影响银行业运行效率的重要因素之一。利用中国商业银行1994—1999年的经营情况进行实证分析后可以发现,中国商业银行的运营存在着规模经济的现象。其中,新兴股份制商业银行的规模经济的程度明显高于国有商业银行。我们分析了公司治理结构、银行内部管理、金融创新及市场结构等影响我国商业银行规模经济的因素,给出了我国商业银行在进一步改革中的政策建议。

The scale of commercial bank is one of the important factors that affect the efficiency of banking sector. In this paper economies of scale of the Chinese commercial banks are measured. The study employs a translog cost function. Overall, economies of scale are observed in Chinese commercial banks, and the scale elasticity of jointequity commercial banks is remarkably higher than that of stateowned commercial banks.