我国商业银行规模经济研究分析

商业银行经营规模是影响银行业运行效率的重要因素之一。利用生存检验法与利润成本比较法对中国商业银行经营情况2000~2002年进行实证分析,得出中国国有商业银行存在着规模不经济的状况,而股份制银行在一定程度上存在规模经济。在此基础上分析了我国国有商业银行规模不经济的根本原因在于商业银行的行政性垄断,提出了我国商业银行在进一步改革中的政策建议。

Analysis of the Economy of Scale of China's Commerical Banks

The scale of commercial banks is one of the important factors that affect banks'efficiency.In the paper,economies of scale of the China's commercial banks are measured.The study shows that economy of scale doesn't exist in state-owned commercial banks,but exists in the joint-commercial banks.The paper points out that due to the government monopoly state-owned banks are not efficient in terms of economy of scale.Finally,some suggestions about reform policies are given.