跨区域经营对城市商业银行X效率的影响研究  

An Empirical Research on the Effect of Inter-regional Expansion on X-efficiency of City Commercial Banks in China

作　　者：刘惠好[1] 杨扬[1] 金蕾[1] 

机构地区：[1]中南财经政法大学金融学院,湖北武汉430073

出　　处：《经济经纬》2014年第2期140-145,共6页Economic Survey

基　　金：教育部规划基金项目(10YJA790062);湖北金融研究中心基金项目(2011015)

摘　　要：笔者采用随机前沿方法（SFA）,对我国15家城市商业银行2007年～2011年的X效率进行了测评,并就跨区域经营对上述银行X效率的影响进行了实证分析.研究表明,跨区域经营可以提升城市商业银行的X效率,但是这种影响并不显著,这可能与我国城市商业银行跨区域发展的历史相对较短有关.同时,实证数据显示城市商业银行的存贷比与其X效率间存在着显著的正向关系,表明城市商业银行跨区域扩张过程中,提高资产管理能力有助于提升其X效率.Based on the Stochastic Frontier Approach, the paper measures X-efficiency of 15 city commercial banks from 2007 to 2011, and makes an empirical study on the inter-regional expansion effect on the city commercial banks＇ X-efficiency. We find out that inter-regional expansion can help to increase banks＇ X-efficiency, but the effect is not significant. The reason probably is the short his- tory of inter-regional expansion in city commercial banks. Results also indicate a significant positive relationship between bank loan-to- deposit ratio and X-efficiency. It suggests that city commercial banks can increase X-efficiency by improving asset management capacity.

关 键 词：跨区域经营 城市商业银行 X效率 SFA 

分 类 号：F830[经济管理—金融学]