摘要
利用我国商业银行的资产和利润率等指标构建新增单位资产利润率以及赫芬达尔指数研究我国商业银行的规模经济与增长效率间的内在关系以及行业竞争对增长效率的影响。结果表明2004-2010年间我国大型国有、股份制以及城商行存在表现出利润随规模增长的规模经济特性,但是增长效率呈现下降趋势,市场竞争导致一些商业银行规模的外在不经济。同时结合我国商业银行发展和监管实际提出了我国城商行的未来发展策略等对策。
This paper mainly study the inter-relationship between scale economy and increase efficien- cy and effect of industry competition on increase efficiency of China commercial banks through constructing statistical indexes, such as new assets to profit margins and hector fanta＇ s index. Results show in 2004-2010, there was the scale economic characteristic of profit increasing by scale in the state-owned large-sized and stock system commercial banks and the city commercial bank. But the increasing rate was showing in decreasing trend. Market competition led to external diseconomics of scale in some commercial banks. Meanwhile some suggestions were given for the strategy of future develop- ment of city commercial banks by combining with the development and supervision in commercial banking industry development.
出处
《金融理论与实践》
CSSCI
北大核心
2012年第5期57-61,共5页
Financial Theory and Practice
基金
教育部2011年规划基金课题(11YJA630007)
沈阳工业大学博士启动基金系列成果之一
关键词
规模经济
增长效率
市场竞争
市场细分
scale economy
increase efficiency
industry competition
market segmentation
