中国商业银行x-效率与其影响因素分析

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1、ABSTRACTCommercialbanksareanimportantpillarofthefmancialsysteminourCOUI'I_衅)whichplayedadecisiveroleinthemacmeconomicregulationandresourceallocation．Efficiencyisanembodimentofcommercialbanks’competitionandtheimprovementofthebankefficiencyisthefoundationtopreventfmancialrisksandtoke印t

2、hesustainabledevelopmentofbankingindustry．ThisdissertationanalyzedthecurrentsituationofefficiencyofChina’ScommercialbanksanditsinfluencingfactorsthroughempiricalstudyanddedicatedtofmdoutthemeasurestoimprovetheefficiencyofChina’Scommercialbanks，whichbringsforthimportanttheoreticalandp

3、racticalsignificanceinimprovingbankefficiencyandprofitability．Inthispaper,theauthorusedDEAmethodtoappraise13China’Scommercialbanks’X—efficiencyfrom2001·2009andanalyzedtherelationshipbetweenX—efficiencyandaffectivefactors．TheresearchfoundthattheX-efficiencyofthewholebankingincreasesgr

4、aduallyandfluctuatesatthesametime，whichincreasesfrom0．749in2001to0．875in2009．Thejoint·stockbankshadperformedmuchbetterthanthestated-ownedbankssince2003．ThelowX-efficiencyofstated-ownedbanksliesinthediseconomyofscale，whilepuretechnicalefficiencyresultsinThejoint-stockbanks’lowX-effici

5、ency．ThevariationofX-efficiencyispositivelycorrelatedtotheCirculatingstockproportion,non·interestincomeandliquidassetsproportion，whileisnegativelycorrelatedtoownershipconcentration，theratioofnon-performingloanandnetinterestmargin．Inviewoftheaboveempiricalresults，thearticleputforwardt

6、hefollowingadvice：thebanksneedtointroducestrategicinvestors，deepenthereformofgovemancemechanism，paymuchattentiontocreditriskandportfolio，allocateliquidassetsandloansreasonably,acceleratethepaceofdevelopmentofintermediarybusinessandmixedoperationtoadapttheinterestliberalizationreforil

7、l．KeyWords：commercialbanks；X—efficiency；influencingfactorsⅡ目录摘要⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯IABSTRACT⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯。Ⅱ第一章绪论⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯．11．1研究背景及意义⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯．．11．2银行X．效率的文献综述⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯21．2．1银行X．效率研究综述⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯．21．2．2银行X．效率影响因素研究综述⋯⋯⋯⋯⋯⋯⋯

8、⋯⋯⋯⋯⋯．31．3研究