摘要
提高效率进而提高银行竞争力,是我国加入WTO的必然趋势,是实现国有银行商业化和国际化,从而确保金融安全,经济持续稳定发展的重大举措.本文运用非参数的数据包络分析法(DEA)评估了1994～2001年我国商业银行的技术效率,然后运用Tobit模型对影响效率的环境因素进行了计量实证,结果表明:资产收益率对银行效率有显著的正向影响,产权结构对银行效率有显著的负向影响,而其他变量基本上没有影响或只有弱的影响.因此,提高国有商业银行效率的关键是要对其进行产权制度改革,从根本上解决不良资产滋生的制度根源,而不是政府补贴及其他.
To make our banks a competitive heavyweight by improving efficiency is a must after China's entry into WTO. It is an important measure to secure financial safety and sustainable and stable economic development when state-owned commercial banks are being commercialized with an international outlook. In the present paper, the technical efficiency of our commercial banks in the period from 1994～2002 is evaluated through data envelopment analysis of the non-parametric method. Environmental factors hurdling efficiency are calculated on Tobit model. The result shows: return on assets has a positive influence on banking efficiency; whereas ownership structure has a negative impact. Other variables have little or slight impact. Therefore, the key for state-owned commercial banks to improve efficiency is to reform their ownership system to root out the system cause that gives rise to bad assets rather than to resort to government subsidies and others.
出处
《金融论坛》
CSSCI
2004年第12期17-22,共6页
Finance Forum
