我国商业银行成本效率的影响因素——基于Tobit模型的实证研究  

The Influencing Factors of Chinese Commercial Banks’Cost Efficiency:Empirical Research Based on Tobit Model

作　　者：张淑安 陶爱萍[2] ZHANG Shu-an;TAO Ai-ping(Shanghai Lixin University of Accounting and Finance,Shanghai 201209,China;Hefei Unversity of Technology,Hefei Anhui 230601,China)

机构地区：[1]上海立信会计金融学院,上海201209 [2]合肥工业大学经济学院,安徽合肥230601

出　　处：《铜陵学院学报》2021年第5期28-33,共6页Journal of Tongling University

基　　金：国家社会科学基金一般项目“互联网经济中标准锁定及开源开放研究”(17BJY004)。

摘　　要：文章从宏观、中观、微观三个层面对影响商业银行成本效率的因素进行系统的理论分析,并运用Tobit模型进行实证检验。结果表明,银行规模、银行配置能力、银行盈利能力、银行创新程度及银行资产质量均对商业银行成本效率起正向的影响作用,其中银行盈利能力对商业银行成本效率的影响最为明显,而银行稳健性则对商业银行成本效率产生负面的影响。最后从促进产权改革、适度控制银行规模、实施多元化经营战略、健全风险治理架构等方面提出促进商业银行成本效率的对策建议。This paper makes a systematic theoretical analysis of the influencing factors of Chinese commercial Banks’cost efficiency from the three aspects of macro,industry and bank itself,then use the Tobit model for empirical test.The result shows that bank size,bank allocation ability,bank profitability,bank innovation level and bank asset quality all have a positive impact on the cost efficiency of commercial banks.Bank profitability has the most obvious impact on the cost efficiency of commercial banks,while the bank’s robustness has a negative impact on the cost efficiency of commercial banks.Finally,the paper proposes countermeasures to promote the cost efficiency of commercial banks from the aspects of promoting property rights reform,controlling moderately on bank size,implement a diversified business strategy and improve risk management structure.

关 键 词：商业银行 成本效率 影响因素 

分 类 号：F830.2[经济管理—金融学]