效率结构、市场势力与我国银行绩效的动态变化

利用经资产质量和资本校正后的成本函数模型测度出我国商业银行1995年至2005年的规模经济效率和X-效率。效率结构假说和市场势力假说并不能充分解释我国商业银行市场竞争程度提高,组织绩效恶化的悖论,导致这一悖论的根本因素是资产价格(利率)管制、业务趋同和竞争目标的非利润化所导致的商业银行竞争中的费用偏好。

Efficient-structure,Market-power and the Dynamic Evolution of the Banking Industry Performance in China

Using a efficiency model based on capital structure,asset quality,we measure the hanks' X-efficiency and the economies of scale in China from 1995 to 2005,we also test the efficient structure hypothesis and the market-power hypothesis,and find out that both two hypothesis cannot explain fullythe competition degree enhances,the organization achievements worsenparadox in Chinese commercial bank market,the basic factors which cause the paradox are the expense preference caused by interest rates regulation,the convergence of service and the non-profit competitiveness.