摘要
本文应用随机前沿方法(SFA)分析了城市商业银行入世5年的效率及其平均值变动趋势。研究发现,城商行的技术效率的确受到无效率项的影响,而该项的负影响因外资银行持有而大大减弱。这说明近年来通过引入外资银行来改善城商行的股权结构不合理、公司治理差、资本缺乏以及创新能力不足等问题的确明显提高了银行的效率。当然,引入外资只是解决问题的一部分。最近,城商行开始组合成区域性商业银行、或跨省设立分支机构、或者筹备上市,这些做法对城市商业银行效率将产生何种影响,我们拭目以待。
Using stochastic frontier approach （SFA）, we analyzed the efficiencies and their average value variable trend of domestic city commercial banks （CCBs） in the last five years after China＇s access to WTO. We found that the technical efficiencies of CCBs were indeed affected by the inefficient item, and the negative effect was greatly reduced by the stock ownership of foreign-funded banks.This indicated that the efficiencies of CCBs were significantly improved by introducing foreignfunded banks to solve or alleviate CCBs problems such as the unreasonable stock ownership structures, inferior corporate governance, capital inefficiency, and the lack of innovation ability. Certainly, the introduction of foreign capital was only a part of the problem settlement. Recently, CCBs began to merge into regional commercial banks, or establish branches outside home provinces, or prepare to IPO. We are waiting to see the effects of these actions on CCBs.
出处
《金融理论与实践》
北大核心
2007年第3期12-15,共4页
Financial Theory and Practice
关键词
城市商业银行
效率
外资银行
city commercial bank, efficiency, foreign funded bank
作者简介
甘小丰（1981-），男，湖北荆州人，清华大学经济学学士，博士研究生。
