CAJ | 학술논문

通过利用随机前沿模型对1996—2007年我国商业银行利润效率指数进行测量,并分析了商业银行外部竞争和所有权结构的影响,结果表明：我国商业银行利润效率整体呈上升趋势,但除少数银行外,整体仍偏低;股份制商业银行在效率指数上优于国有银行,而由于国有银行的股份制改革,在2003—2005年间两者差距缩小,但近年又有扩大的趋势;伴随国有银行改革与非国有银行发展带来的银行业竞争,对效率有显著的促进作用。
통과이용수궤전연모형대1996—2007년아국상업은행리윤효솔지수진행측량,병분석료상업은행외부경쟁화소유권결구적영향,결과표명：아국상업은행리윤효솔정체정상승추세,단제소수은행외,정체잉편저;고빈제상업은행재효솔지수상우우국유은행,이유우국유은행적고빈제개혁,재2003—2005년간량자차거축소,단근년우유확대적추세;반수국유은행개혁여비국유은행발전대래적은행업경쟁,대효솔유현저적촉진작용。
In this paper,by using a Stochastic Frontier Model we investigated 16 Chinese commercial banks＇ profit efficiency levels and their evolution during the period from 1996 to 2007 and in particular the influence of competition and the ownership on their profit efficiency. The empirical results indicate：1） the Chinese commercial banks＇ profit efficiency is increasing gradually,but except a few banks,the levels of most of the banks remain comparatively low; 2） the non-state-owned banks＇ efficiency is higher than the state-owned banks,but the gap is gradually narrowing; 3） the competition between commercial banks has raised the overall efficiency level.