【作者】 侯锐；

【导师】 张玉喜；

【作者基本信息】 哈尔滨工程大学 ， 金融学， 2007， 硕士

【摘要】 效率是经济学研究的核心问题之一，高效率也是商业银行在经营管理中追求的目标。银行的效率不仅可以反映为银行自身的经营绩效，是银行竞争力的集中体现，同时也反映了一国经济发展的内在质量。从长远来看，银行的发展最终取决于效率。随着我国加入世界贸易组织，中外银行之间的竞争将更为激烈。因此本文研究我国商业银行的效率问题以及其影响因素，具有一定的理论意义和现实意义。本文综合介绍了国内外相关著作文献以后，分析了银行效率的基本涵义及与银行效率研究相关的基础理论，结合影响商业银行经营效率的影响因素，选取相关数据，采用银行效率研究中最常用一种方法——数据包络分析法，对我国商业银行的效率问题进行评价。本文选用固定资产净值，员工人数和利息支出费用作为投入指标；选用利息收入和非利息收入作为产出指标。运用数据包络分析法对1999-2004年我国的四大国有商业银行和十家主要的股份制商业银行技术效率值进行估算。估算的结果表明，我国银行业的整体效率呈波动上升的态势，国有银行效率的平均水平低于股份制银行效率的平均水平，国有银行的效率水平与股份制商业银行的效率水平的差距在波动中有缩小的趋势，这与对国有银行和股份制银行经营业绩的考察是一致的。本文把14家既包括国有银行又包括股份制银行合并起来进行评价和比较，又显示出了两种银行组织方式下银行间的真实差距，为探求我国今后的金融改革措施提供现实依据。在以上分析的基础上，提出了提高我国银行经营效率的建议。本文从三个方面分别是宏观经济环境，中观行业环境和微观银行环境提出提高我国银行的经营效率的建议。指出应进一步推进我国国有商业银行的股份制改革，建立健全法规体系；逐步放松金融业分业经营的限制，降低银行业的垄断程度；优化产权结构，提高银行资本质量和人力资源质量。在加强金融监管，保障银行体系稳定的同时，应促进对外开放，逐步实现与国际市场的接轨。更多还原

【Abstract】 Efficiency is one of the key problems of the economic research. It is the goal which the commercial bank pursues in management and administration too. The efficiency of the bank is not merely shown as the bank’s own management performance, but also is the concentrated reflection of the competitiveness of the bank, reflected the inherent quality of economic development of one country at the same time. In the long run, the development of the bank depends on efficiency finally. With China’s accession to the World Trade Organization, the competition between Chinese and foreign banks will be fiercer. So this thesis studies the efficiency problem of the Chinese banks and their influence factors, has certain theory meaning and realistic meaning.After this thesis has introduced domestic and international relevant research documents synthetically, brief analysis the basic meaning of the efficiency of the bank and relevant basic theories studied with the efficiency of bank. This thesisuses the most frequently used method in the efficiency research of the bank—Data Envelopment Analysis, analyses the efficiency question of our country’s banks. In this thesis we use net value of the fixed assets, staff’s number and the cost of interest payments as input indicators; use interest income and non-interest income as output indicators.We use Data Envelopment Analysis estimate technological efficiency value of China’s four major state-owned commercial banks and 10 joint-stock commercial banks from 1999 to 2004. The result shows the whole efficiency of the banking presents and fluctuates the trend that rises, the efficiency average level of state-owned bank is lower than the average level of the efficiency of shareholding system bank.The gap between the level which are the state-owned banks’ of efficiency and joint-stock commercial banks is in a narrow fluctuation trends. This is identical with investigation of the state-owned banks and shareholding system banks. In this thesis, 4 state-owned banks and 10 joint-stock banks are combined evaluation and comparison, demonstrate again two kinds of banks’ gap, which offer the realistic basis for seeking the financial reform measure in the future. On the basis of the above analysis, this thesis presents a proposal to raise the efficiency of China’s banking industry from three aspects: macroeconomy environment; industry environment and micro-banking environment. Should be made to further promote the shareholding reform of China’s state-owned commercial banks; set up and amplify the regulation system; gradually relax restrictions on business and financial industry; reduce the monopoly intensity of the banking; optimize the structure of property right; improve capital quality and human resources quality of the bank. In strengthening financial supervision, ensure the stability of the banking system at the same time, to facilitate the opening up gradually converge with the international market.更多还原