中国银行业效率的实证研究

效率是银行竞争力的集中体现。我国目前股份制银行的技术效率明显高于国有商业银行。国有商业银行技术效率损失几乎全部来自规模效率的损失 ,股份制银行的技术效率损失中有一多半来自规模效率损失。国有商业银行的规模报酬递减 ,股份制银行的规模报酬以不变或递增的居多。因此 ,国有商业银行应该撤除或并购无赢利的分支机构 ,降低经营管理费用 ,以充分发挥规模效率。而股份制银行应注意抑制规模扩张的冲动 ,充分享受规模经济的好处

Empirical Study on the Efficiency of Chinese Banks

Efficiency is the key indication of the competitive strength of banks. In China today, the technical efficiency of joint-stock banks is evidently higher than that of state-owned commercial banks. The technical efficiency loss of the state-owned commercial banks almost resulted entirely from scale efficiency loss, but the ratio is over 50 percent in joint-stock banks. The scale-yield ratio of the state-owned commercial banks decreases by degrees, while that of the joint-stock banks mainly remains the same or increases by degrees. Therefore, state-owned commercial banks should recall or spit-down their unprofitable branches, reduce managerial and administrative cost, so as to bring scale efficiency into full play. The joint-stock banks should pay much attention to the control of their scale expansion, so as to fully enjoy the benefit resulted from the economy of scale.