中外商业银行经营绩效比较分析.docVIP

中外商业银行经营绩效比较分析 A Comparison of the Profit Efficiency of China’s and Foreign Commercial Banks 摘要：本文通过比较外资商业银行，对国有商业银行经营绩效的影响因素进行了分析。经实证检验发现，国有商业银行经营绩效与资产规模负相关；与资产质量、盈利水平和技术进步相关关系较弱。在以上分析的基础上，本文得出结论：造成国有商业银行与大型外资银行经营绩效差距的根本原因是公司治理结构不完善；资产规模与资本金不协调、不良贷款比率过高是经营绩效差的重要原因。最后，本文就如何提高国有商业银行经营绩效水平与竞争力提出了相应的对策与建议。 Abstract: This paper examines the factors of China’s state-owned commercial banks’ profit efficiency through comparing with foreign commercial banks. Adopting econometric method, I found there being inverse correlation between state-owned commercial banks’ profit efficiency and their asset size while the correlation between profit efficiency and asset quality, profit level and technology advancement is pretty weak. With the analysis above, I argue that the incomplete cooperate governance structure is the basic factor that causes state-owned commercial banks’ bad performing while the inappropriate scale compared with the capital size, nonperforming loans rate’s being too high are very important factors. At the end of this paper, I come up with countermeasures and suggestions on how to improve state-owned commercial banks’ profit efficiency and competitive capability. 关键词： 商业银行；经营绩效；影响因素；比较分析 Keywords: Commercial Banks; Profit Efficiency; Decisive Factors; Comparative Analysis 作者： 彭亮 华东师范大学日本经济研究中心 200062 联系方式：T: 　　　　　 MP: E-mail: pengliangpeter@ peter-luckypl@126.com 中外商业银行经营绩效比较分析 A Comparison of the Profit Efficiency of China’s and Foreign Commercial Banks 　　　 摘要：本文通过比较外资商业银行，对国有商业银行经营绩效的影响因素进行了分析。经实证检验发现，国有商业银行经营绩效与资产规模负相关；与资产质量、盈利水平和技术进步相关关系较弱。在以上分析的基础上，本文得出结论：造成国有商业银行与大型外资银行经营绩效差距的根本原因是公司治理结构不完善；资产规模与资本金不协调、不良贷款比率过高是经营绩效差的重要原因。最后，本文就如何提高国有商业银行经营绩效水平与竞争力提出了相应的对策与建议。 Abstract: This paper examines the factors of China’s state-owned commercial banks’ profit efficiency through comparing with foreign commercial ba