商业经济与管理

国有商业银行股份制改造是我国提升整体金融竞争力,应对金融业全面对外开放的有力举措。文章通过DEA模型对已经改制的三家国有控股商业银行的效率进行了实证分析,得出了国有商业银行在改制的过程中及改制后效率都有明显提升的结论,并在分析影响我国国有商业银行效率的因素基础上,从宏观经济因素、行业因素、银行基本特征和其他因素四个方面探讨了促使国有控股商业银行在改制后效率提升的原因。

Shareholding reform in state-owned commercial banks is an efficient measure to improve the financial competitiveness of China and cope with overall open of finance industry.The paper,through the DEA model,makes an empirical analysis for the efficiency of three state-controlled commercial banks that have been reformed,which concluded that the efficiency of state-owned commercial banks is obviously improved during and after reform.In addition,on the basis of analyzing the factors that may influence the efficiency of the state-owned commercial banks,the reasons promoting the improvement of efficiency of state-owned commercial banks are discussed from four respects such as macro economic factor,industry factor,basic characteristics of banks and other factors.