CAJ | 학술논문

本文采用Malmquist全要素生产率指数（TFP）对2004-2009年13家中国商业银行的效率进行了测评，并就国际化经营对上述银行效率的影响进行了实证分析。结果表明，国际化经营对于中国商业银行效率提高有积极影响。同时中国商业银行在国际化进程初期应以服务原有客户为基点，分享其贸易结算、投资收益；在缺乏客户基础的地区新设海外分支机构、发放贷款等纯资产业务扩张上保持谨慎：通过发展非利息收入转变海外收入增长方式．实现海外业务稳步扩张和良性循环。
본문채용Malmquist전요소생산솔지수（TFP）대2004-2009년13가중국상업은행적효솔진행료측평，병취국제화경영대상술은행효솔적영향진행료실증분석。결과표명，국제화경영대우중국상업은행효솔제고유적겁영향。동시중국상업은행재국제화진정초기응이복무원유객호위기점，분향기무역결산、투자수익；재결핍객호기출적지구신설해외분지궤구、발방대관등순자산업무확장상보지근신：통과발전비이식수입전변해외수입증장방식．실현해외업무은보확장화량성순배。
This paper employs the Malmquist TIP index to measure the efficiency of 13 Chinese commercial banks from 2004 to 2009, and then makes an empirical analysis on the relationship between international operation and the efficiency of these banks. The result shows that international operation has a positive effect on the efficiency of Chinese commercial banks, and at the beginning of the internationalization, the Chinese commercial banks ought to improve the TFP efficiency by sticking to serving their existing customers and sharing with them the profit from trade settlement and investment, staying cautious in asset business expansion, and developing non-interest income, so as to achieve a steady expansion of international operation.