我国国有商业银行规模经济的实证分析

从银行规模经济的角度出发,运用实证方法,对国内四大国有商业银行规模和资产状况,以及银行市场集中度和资产利润率进行了分析,从而反映出国有商业银行的规模经济状况.通过对国有商业银行的规模经济实证分析得出结论:国有商业银行的市场集中度高,资产利润低,所以国有商业银行的规模不经济.对国有商业银行的规模不经济现状提出了银行的创新策略,策略关键点在于确立银行的最佳经营规模.

Demonstrational Analysis of Business Scale of China's State-Owned Commercial Banks

An analysis based on the theory of economy of scale is made pragmatically to China's four biggest stated-owned commercial banks, discussing their volume of business, assets, centralization level of market share and return on assets. A conclusion is drawn that the high centralization level of market share is large, but return on asset is low. So, they are running on an uneconomic scales. A creative strategy is thus proposal of which the key point is to find out to set up an optimum business scale for the state-owned commercial banks.