中国商业银行业市场结构、经营效率与绩效水平——基于19家银行的经验数据  

Market Structure,Operating Efficiency and Performance of Chinese Commercial Banks:Based on the Empirical Data of 19Banks

作　　者：章添香[1] 李杨[2] 张春海[3] 

机构地区：[1]对外经济贸易大学保险学院,北京100029 [2]对外经济贸易大学中国WTO研究院,北京100029 [3]中国人民银行青岛市中心支行,山东青岛266071

出　　处：《华中师范大学学报（人文社会科学版）》2016年第2期49-58,共10页Journal of Central China Normal University:Humanities and Social Sciences

基　　金：教育部人文社会科学研究青年项目"中国出口信用保险的政策作用机制:基于多层次;多方法政策效应研究的制度完善策略"(15YJC790153)

摘　　要：依据市场结构与经营绩效的相关假说,本文运用中国19家商业银行2004-2013年的数据,探讨了中国银行业市场结构、经营效率与绩效水平的相关关系。实证结果表明,中国银行业是否适用结构-行为-绩效假说并不确定,但不适用相对市场力量假说、规模效率结构假说,适用相对效率结构假说和平静生活假说。中国银行业需要进一步深化改革、扩大开放;积极推进业务创新,拓展中间业务,改变以利差为主的盈利模式;完善商业银行内部经营管理,提升银行业经营效率。Based on the hypotheses of the relationship between market structure and business performance,this paper discusses the relationship between market structure,operating efficiency and operating performance of China＇s banking industry with a panel data in 19 Chinese banks during the period of 2004-2013.The empirical result shows that it is not determined whether the Chinese banking industry is applicable to structureconduct-performance hypothesis,but it is certain that the Chinese banking industry is applicable to relative efficient structure hypothesis and quiet-life hypothesis,relative market power hypothesis and scale efficient structure hypothesis.Finally,this paper suggests that we should further deepen the reform,promoting business innovation,expanding the intermediate business,improving the internal management of commercial banks and the performance of the banking industry.

关 键 词：商业银行 市场结构 经营绩效 经营效率 

分 类 号：F832.33[经济管理—金融学]