银行业效率究竟由什么因素决定?——基于世界跨国经济数据的实证检验  

Influencing Factors for the Efficiency of a Country's Banking System——Based on an Empirical Analysis of International Data

作　　者：胡海峰[1] 武鹏[1] 

机构地区：[1]北京师范大学经济与工商管理学院,北京100875

出　　处：《北京社会科学》2016年第1期50-59,共10页Social Sciences of Beijing

基　　金：国家社会科学基金项目(14AZD035)

摘　　要：根据世界主要经济体中45个国家1999-2014年的面板数据,从宏观经济环境、行业特征、政治层面、法律制度层面四个层次分析影响一国银行业经营效率的主要因素。实证分析表明:宏观经济因素和银行行业因素是决定一国银行体系效率的主导因素;而政治和制度因素对于银行绩效的影响并不显著。因此,未来政策着眼点应该从提高经济增长质量、稳定物价水平、降低实际利率、提高银行业市场竞争力、降低行业垄断和准入门槛、控制信贷风险等方面,提高中国银行业的经营效率。This paper studies the factors effecting on banking efficiency according to 45 main countries of the world＇s major economies on panel data. In view of the four level analysis,such as macroeconomic environment,industry characteristics, political system and legal system, it analyzes the main factors influencing the efficiency of a country＇s banking business. Based on an empirical analysis,the results show that macroeconomic factors and the characteristics of banking industry are the main factors that determine a country＇s banking system efficiency. At However,the political and institutional factors on bank performance are not so significant. Some advices are made,such as： stabling price level,lowering real interest rate,enhancing the competitiveness of banking market,reducing the monopoly of bank industry and controlling the credit risk.

关 键 词：银行业效率 影响因素 实证分析 

分 类 号：F831[经济管理—金融学]