商业银行竞争力研究的新框架——以X效率为核心的三层次分析  

A New Analytical Framework of Commercial Banks' Competitiveness--A Three-dimension Method Based on X-efficiency

作　　者：黄宪[1] 牛慕鸿[1] 

机构地区：[1]武汉大学经济与管理学院

出　　处：《国际金融研究》2008年第7期25-32,共8页Studies of International Finance

基　　金：国家社会科学基金研究项目"开放条件下中国银行业控制力与国家金融安全"(课题编号:05BJY106)和武汉大学"985"项目系列研究成果之一

摘　　要：学界和实务界对商业银行竞争力的研究颇多。尽管不同的研究者基于各自的理论平台和分析视角,建立了各类银行竞争力的评价指标体系,然而就竞争力分析框架而言,它们或多或少地缺乏完整的内在逻辑,解释力有限。本文提出研究商业银行竞争力的新的分析框架,把效率作为竞争力的核心与纽带以及解释的逻辑起点,以此为基础向另外两个维度分别扩展。新的分析框架将银行竞争力分为相互联系的三个层次,即竞争力的本质(X效率)、竞争力的表现(以利润率为代表的一组绩效指标)、竞争力的来源(形成效率和绩效差异的内外因素)。它们均可进行有理论基础的定量分析,并可运用其测度结果对银行竞争力进行有逻辑关联的、相互补充的分析。The study on commercial banks＇ competitiveness is the focus in theoretical and in practical cirles. A large number of index systems have been established based on different academic benchmarks or perspectives by many researchers. However, they are lack of inherent logic more or less, which limits their interpretational power for the analytical frameworks. This paper builds a new analytical framework of commercial banks＇ competitiveness. It uses efficiency as the logistic start and the core of the competitiveness. There are three dimensions connected with each other in the framework that are the essence （X-efficiency） , the performance （a series of financial indexes such as profit ratio） , the origin （the inside and outside factors forming the difference between the efficiency and the performance） of competitiveness, which can be quantitatively accounted on the basis of relevant theories separately and can be analyzed as a whole correlatively and complementarily based on the accounting results.

关 键 词：商业银行 竞争力 X效率 研究范式 

分 类 号：F831[经济管理—金融学]