民间资本进入城市商业银行的“阈值效应”分析——基于中国25家城市商业银行的面板数据  

Analysis of the ″Threshold Effect″ in Private Capital Entering Urban Commercial Banks——Based on panel data of 25 city commercial banks in China

作　　者：郭小叶[1] 李富有[1] 王博峰[1,2] 

机构地区：[1]西安交通大学经济与金融学院,陕西西安710061 [2]中国农业银行陕西省分行,陕西西安710065

出　　处：《西安交通大学学报（社会科学版）》2018年第1期38-47,共10页Journal of Xi'an Jiaotong University：Social Sciences

基　　金：国家社会科学基金重大项目(12&ZD071;14ZDA045);国家社会科学基金青年项目(15CJL021);中国博士后科学基金(2017M613091)

摘　　要：在运用随机前沿分析方法测度中国25家城市商业银行效率的基础上,对民间资本进入对城市商业银行效率的影响进行实证分析,并进一步考察了民间资本进入水平的适度性问题。研究结果表明:民间资本进入水平对城市商业银行效率的影响存在"阈值效应",但该效应并未因城市商业银行所属区域不同而存在显著差异。近年来中国民间资本进入城市商业银行的程度总体上处于阈值区间之外,民间资本进入水平有待进一步提高和优化,以充分发挥对城市商业银行效率提升的积极作用。Based on the application of SFA method to measure the efficiency of 25 city commercial banks in China, this paper makes an empirical analysis on the impact of private capital entry on the efficiency of urban commercial banks, and further examines the appropriateness of private capital entry level. Results show that there is a ＂threshold effect＂ in the influence of the entry level of private capital on the efficiency of urban commercial banks, but the effect is not significant due to the difference between the urban commercial banks. In recent years, the degree of private capital entering the city commercial banks is still outside the threshold range, so the level of private capital entry needs to be further improved and optimized in order to fully play a positive role to the city commercial banks in enhancing their efficiency.

关 键 词：民间资本 城市商业银行 银行效率 阈值效应 

分 类 号：F832[经济管理—金融学]