中国与美 德商业银行经营效率的比较分析-a comparative analysis of the operating efficiency of commercial banks in china and america and germany.docxVIP

ABSTRACT Finance 扭曲e core of modern economy. As the main body of financial s创ω民 ban.king is in 伽.e most critical position of system reform strategy of Chinese current fmance. The efficient operation is the key word of bank in the long t町m. China and Germany have similar 刷刷 in the fmancial banking syst础， while 由e U.S. ban.king indus的， has relative 础。ng capital markets，so we are taking the efficiency of the ban.king secωr in G时many and the United States 削 reference in 伽is 盯ticle to study 事 由e efficiency issues of Chinese banking industry and 由e factors leading to efficiency difference between China and the two coun创es，and try to explore approach and ‘ means improving our coun的rs commercial banks productive efficiency for providing a referenceωourcoun 町sωmm町cial bank management in future. First of all，the article ana1yzed the previous theoretica1 study results of the operationa1 efficiency of banking. 白lat is a consequence of the method of advantages and shortcomings and then expounded 由e present si阳ation of Chinese ωmm町cial banks operation， and analyzed the existed issues of Chinese commercial banks operation according ωthe present situation. Next， we use the model of super efficiency to do empirical research on 舱。perational efficiency of three countries commercial banks，and compared the difference between Chinese commercial banks operation efficiency wi也 Germen and American samples from the vertical and horizontal aspects. In this part，也e paper 负rstωnstructs a panel model，with 也e efficiency scores as d叩endent variable，and bank scale，邸set allocation， stability， innovation and 由e profitabi1ity as ind叩endent variables. The pap町 gets the result that 也e differences of efficiency within China mainly result out 也e asset allocation and profitability，while 也e differences of efficiency wi由in German result out innovation 喃 and profitability. Finally，based on the conclusion of empirica1 analysis，ωme related recommendations were given for Chi