摘要
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。
Using a efficiency model based on capital structure, asset quality, we measure the banks＇ 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 fully ＂the competition degree enhances, the organization achievements worsen＂ paradox 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.
出处
《湘潭大学学报（哲学社会科学版）》
CSSCI
北大核心
2008年第6期70-74,共5页
Journal of Xiangtan University:Philosophy And Social Sciences
基金
国家社科基金(项目编号:07BJY154)
教育部人文社会科学基金(项目编号:08JC790052)
江西省人文社科重点基地金融发展与风险防范研究中心的资助
关键词
商业银行
效率结构
市场势力
经营绩效
commercial bank
efficient - structure
market - power
performance
