从X效率探讨我国商业银行效率影响因素  

ON THE EFFICIENCY EFFECTIVE ELEMENTS OF OUR COUNTRY'S COMMERCIAL BANKS FROM THE POINT OF X-EFFICIENCY

作　　者：姚敏[1] 华金辉[1] 

机构地区：[1]厦门大学金融系,福建厦门361005

出　　处：《北方经贸》2005年第1期91-93,共3页Northern Economy and Trade

摘　　要：提高与改善银行业的效率 ,不仅是银行的经营管理者和监管当局的重要目标之一 ,也是防范金融风险 ,有效配置金融资源的需要。本文主要通过对 4家国有商业银行以及 10家股份制商业银行X效率的影响因素进行理论与实证分析 ,并找出其中的相关关系 ,以求能打开银行经营管理的“黑匣子” ,进一步为商业银行的效率改进提供明确的方向。The improvement and enhancement of efficiency in banking is not only one of the important objectives for managers and regulators,but is necessary to safeguard the financial risk and allocate financial resources effectively.Based on the empirical and theoretic analysis of elements which are linked to X-efficiency for 4 state-owned commercial banks and 10 stock commercial banks,the authors try to find the correlations between these elements,then open the'black-box'of bank operation and provide the clear direction toward improving the efficiency of commercial banks.

关 键 词：影响因素 X效率 银行效率 股份制商业银行 防范金融风险 国有商业银行 银行经营管理 经营管理者 “黑匣子” 重要目标 金融资源 有效配置 实证分析 相关关系 银行业 监管 

分 类 号：F830.33[经济管理—金融学] F832.33