我国银行业规模效率的实证分析——基于超对数的方法

入世后,我国银行业面临着将要到来的国外银行的冲击,急需提高自身的竞争力。是否需要扩大规模,已有的银行是否存在规模经济,文章运用传统的超越对数的成本函数分析法,对2000-2004年我国商业银行的规模经济效率进行实证分析得出,我国银行业整体呈现出规模不经济状态的结论。从而提出我国的商业银行不能一味追求规模,而应坚持科学发展的观念,走出一条集约型发展道路。

AN EMPIRICAL ANALYSIS OF SCALE EFFICIENCY IN BANKING INDUSTRY OF CHINA—A TRANSLOG APPROACH

After China's entering the WTO,her banking industry,faced with the oncoming impact of overseas banks,will have to enhance its own competitiveness.To answer the questions whether the scale of China's banks needs to be expanded and whether China's banking industry has already had an economy of scale,this paper applies the traditional translog cost function real diagnosis analysis method an comes to the conclusion that on the whole,China's banking industry is in a condition of diseconomies of scale.The authors,therefore,argue that China's commercial banks should not blindly pursue larger scale and that it should insists on the scientific outlook on development and take a road of intensive development.