国有商业银行效率研究-西方经济学专业论文.docxVIP

国有商业银行效率研究 国有商业银行效率研究 中文提要 国有商业银行效率研究 中文提要 在转轨经济背景下，随着我国加入WTO，国内金融体系的改革也显得更加迫切。 商业银行在我国的金融体系当中始终居于主导地位，国有商业银行又是我国银行业的 主体，中国金融体系改革的重点与难点集中于四大国有商业银行．一直以来，国有商 业银行对中国的渐进式改革顺利进行提供了强有力的金融支持，同时也付出了高昂的 效率损失的代价，其效率的提高不仅对我国金融资源利用水平的提高有着重要作用， 更是国有商业银行生存与发展的关键。本文从探索国有商业银行的效率问题出发，通 过对目前国有商业银行资源配置效率及运行效率现状的分析，研究影响其效率的主要 因素，寻找提升中国国有商业银行效率的有效途径。国有商业银行效率问题不仅是其 生存、发展的重要命题，而且对我国金融体系整体效率的提升亦有着重要的意义，有 助于中国金融体制改革的进一步深化和银行业的健康、持续发展及货币金融体系的稳 定。 关键词：国有商业银行效率现状影响因素对策 作 者：王 宁 指导教师：姚海明副教授 国有商业银行效率研究 国有商业银行效率研究 英文提要 Research 011 the Efficiency of State Owned Commercial Banks Abstract Since wejoin WTO，the economical transference has more urgently prompted a reform in national financial system．Commercial banks hold consistently a leading position in our financial system and at the same time they are the main body of our banks．Focal and difficult points of Chinese financial reforms lie in four big state owned commercial banks which provide financial support with heavy cost for smooth completion of Chinese gradual reform and incFcases in their efficiency not only play an important role for improvements in our utilization of financial SOUrCeS but also a key to their existence and development． After analy∞s of the efficiency in the dist】dbutian and operation of resources in current state owned commercial banks，this paper tries to probe efficiency problems in Chinese State owned commercial banks。make researches into major factors for affecting tllejr efficiency and therefore，to seek effective ways to improve their efficiency．The problems existed in the efficiency bP_7,olYic not more than a significant proposition for their subsistence but have great significance for bettering the efficiency of our national financial system and thus contribute to fuldler reform in this field，to healthy and growing development in bank industry and the stability in currency system． Ke