我国商业银行的X效率分析

An Analysis on Chinese Commercial bank's X-efficiency

银行经营如同一个“黑匣子” ,不同银行利用相同投入生产出各种金融产品或提供各种金融服务的能力有很大差异 ,X效率是对银行业资源配置效果的综合反映。影响我国商业银行X效率的外部因素包括所有权形式、经济环境、银行业市场结构以及金融监管政策等的差异 ,内部因素则主要受资本充足程度、不良贷款比例、风险资产比例、员工素质、激励机制及劳动生产率等影响。盈利水平及成本控制能力作为银行业绩考核的另一类指标与效率关系最为密切。

Bank operation is something like a black box. With the same inputs, different banks come out with extraordinarily different financial products and services. X-efficiency represents a comprehensive reflection of different banking resource allocation. The external factors that affect the X-efficiency of Chinese commercial bank include the difference in respect of ownership, economic circumstance, and market structure of the banking industry, etc., while the internal elements mainly include the capital adequacy, the proportion of non-performing loans, the proportion of risk assets, the staff quality, the stimulating scheme and productivity, etc. As another type of indicator that evaluates the bank performance, the ability of profit earning and cost control is greatly correlated with efficiency.