CAJ | 학술논문

本文以中国十四家商业银行1996年至2003年的数据为样本，研究了它们的成本／利润效率状况和演进趋势。经验结果表明，所有制改革产生了一定意义上的积极作用，而政府对于国有制商业银行的挽救和调整在降低其成本方面则取得了不错的效果；中国商业银行部门控制成本的能力显然要好于其创造利润的能力，样本期内成本效率水平的稳步提高与利润效率水平的加速下降形成鲜明对比。本文讨论的一个重要含义是：如何提高和强化商业银行的赢利功能正在成为中国金融改革的主要课题。
본문이중국십사가상업은행1996년지2003년적수거위양본，연구료타문적성본／리윤효솔상황화연진추세。경험결과표명，소유제개혁산생료일정의의상적적겁작용，이정부대우국유제상업은행적만구화조정재강저기성본방면칙취득료불착적효과；중국상업은행부문공제성본적능력현연요호우기창조리윤적능력，양본기내성본효솔수평적은보제고여리윤효솔수평적가속하강형성선명대비。본문토론적일개중요함의시：여하제고화강화상업은행적영리공능정재성위중국금융개혁적주요과제。
In this paper, the cost and profit efficiency level and their evolution of 14 Chinese commercial banks from 1996 to 2003 are investigated. Empirical results indicate that ownership reform has took some significant effect, and the retrieval and adjusting of government also make notable gains in cost efficiency ; However, the authors find the profit efficiency scores are well below cost efficiency levels. That means Chinese commercial banks seem to deal much better on the cost than on the profit side as their expertise in generating profits is not as developed as their ability to supply their services in a cost-saving way. Our paper provides evidence for a important result that, when the opening time of WTO is coming, how to enhance the profit efficiency of commercial banking sector is becoming the main task of Chinese financial reforming.