金融理论与实践
金融理論與實踐
금융이론여실천
Financial Theory and Practice
2012年
5期
57~61
,共null页
规模经济 增长效率 市场竞争 市场细分
規模經濟 增長效率 市場競爭 市場細分
규모경제 증장효솔 시장경쟁 시장세분
scale economy; increase efficiency; industry competition; market segmentation
利用我国商业银行的资产和利润率等指标构建新增单位资产利润率以及赫芬达尔指数研究我国商业银行的规模经济与增长效率间的内在关系以及行业竞争对增长效率的影响。结果表明2004-2010年间我国大型国有、股份制以及城商行存在表现出利润随规模增长的规模经济特性,但是增长效率呈现下降趋势,市场竞争导致一些商业银行规模的外在不经济。同时结合我国商业银行发展和监管实际提出了我国城商行的未来发展策略等对策。
利用我國商業銀行的資產和利潤率等指標構建新增單位資產利潤率以及赫芬達爾指數研究我國商業銀行的規模經濟與增長效率間的內在關繫以及行業競爭對增長效率的影響。結果錶明2004-2010年間我國大型國有、股份製以及城商行存在錶現齣利潤隨規模增長的規模經濟特性,但是增長效率呈現下降趨勢,市場競爭導緻一些商業銀行規模的外在不經濟。同時結閤我國商業銀行髮展和鑑管實際提齣瞭我國城商行的未來髮展策略等對策。
이용아국상업은행적자산화리윤솔등지표구건신증단위자산리윤솔이급혁분체이지수연구아국상업은행적규모경제여증장효솔간적내재관계이급행업경쟁대증장효솔적영향。결과표명2004-2010년간아국대형국유、고빈제이급성상행존재표현출리윤수규모증장적규모경제특성,단시증장효솔정현하강추세,시장경쟁도치일사상업은행규모적외재불경제。동시결합아국상업은행발전화감관실제제출료아국성상행적미래발전책략등대책。
This paper mainly study the inter-relationship between scale economy and increase efficien- cy and effect of industry competition on increase efficiency of China commercial banks through constructing statistical indexes, such as new assets to profit margins and hector fanta＇ s index. Results show in 2004-2010, there was the scale economic characteristic of profit increasing by scale in the state-owned large-sized and stock system commercial banks and the city commercial bank. But the increasing rate was showing in decreasing trend. Market competition led to external diseconomics of scale in some commercial banks. Meanwhile some suggestions were given for the strategy of future develop- ment of city commercial banks by combining with the development and supervision in commercial banking industry development.
