《关于我国商业银行业利润效率的研究》
2004年1月6日，国务院正式宣布将450亿美元的外汇储备注资中国银行和中国建设银行，这也标志着我国商业银行的改革进入一个加速发展的阶段。随后，各家商业银行纷纷采取积极引入战略投资者、开展创新业务、改善公司治理、加强风险控制等等举措，为我国入世所承诺的银行业全面开放做足竞争准备。而我国商业银行采取这些举措的根本目的是为了实现利润最大化、增强竞争实力、提高自身效率。那么，我国现阶段商业银行的效率状况如何、所采取的一些改革举措是否真能促进效率的提高，则是我们继续进行商业银行改革需要明确的问题。本文拟借鉴国外评价商业银行效率的新概念—利润效率(Profit Efficiency)来研究我国商业银行的效率现状，并分析商业银行效率的影响因素，为我国商业银行的改革提供一些新思路。
On January 6, 2004 the state council will be officially announced $45 billion in foreign exchange reserves by the bank of China and China construction bank, it also marked the reform of commercial Banks in China into a speed up development stage. Then, all the commercial Banks are taking positive to introduce strategy investors, develop innovative business, improve corporate governance, strengthen risk control measures and so on, for our country’s entry into the wto commitment to comprehensive open enough competition in banking industry to prepare. And our country commercial bank to take the basic purpose of these actions is to realize the profit maximization, increase competition strength, improve their efficiency. So, the our country present stage business the efficiency of the bank to state how, some reform measures whether really could promote the efficiency of the enhancement, is we continue commercial banking reform need to clear the problem. This paper intends to foreign commercial bank Efficiency evaluation of new concept-Profit Efficiency (Profit Efficiency) to study the Efficiency of Chinese commercial Banks present situation, and analysis of the Efficiency of the commercial bank influencing factors, and to the reform of commercial Banks in China to provide some new ideas.
Key words: profits of commercial bank efficiency factors
目 录
