摘要
效率的提高和成本的有效管理是商业银行能否在市场竞争中取胜的关键所在。本文在非参数成本前沿模型框架下将实际成本的变化分解为要素配置效率、技术效率、技术进步、产出规模以及要素价格的变化五大因素。研究发现:(1)1995-2003年39家台湾本土银行的成本效率平均72.8%,尚有27%的提升空间,成本效率下降导致成本年均额外增长2.9%;(2)技术进步额外降低成本年均4.6%,2002年和2003年技术进步效应更突出;(3)资金要素价格的下降导致总成本下降12.7%;(4)综合成本效率和技术进步因素,"金控"改革显著地降低银行的经营成本。面对金融全球化和银行业竞争的加剧,台湾金融改革提升台湾银行业竞争力的效果已经显露,其中的经验和教训值得思考和借鉴。
Efficiency and effective management on costs are the key issue for commercial banks to survive in the intensively competitive market economy. Based on the nonparametric cost frontier model developed by the author, the paper analyzes the cost efficiency of 39 local banks in Taiwan during 1995 to 2003, and finds that the weighted average of the cost efficiency in Taiwan＇s banking sector was as high as 72.8% with declined trend, which contributed marginally to the growth of cost as high as 2.9% ; the contribution of technological progress to cost drop was as high as 4.6% , especially in the period 2002 to 2003 ; the contribution of the drop of input factors price level to cost save was as high as 11.2% ; based on the cost efficiency and technological progress effect, financial reform has highly saved costs. In a word, facing on financial globalization and intensive competition, it is financial reform that raises the capacity of competition of banking sectors in Taiwan, whose experiences and lessons are worthy of our consideration and reference.
出处
《金融研究》
CSSCI
北大核心
2007年第10A期41-57,共17页
Journal of Financial Research
基金
国家社科基金项目"环境
能源约束下的中国工业增长模式研究"(项目编号:07BJY019)为本文提供资助
关键词
银行产业
非参数成本前沿模型
成本效率
“金控”革新
banking sector, non-parametric cost frontier model, cost efficiency, financial-control innovation
