国有控股与非国有控股商业银行效率的比较分析word格式论文.docxVIP

摘要国有控股商业银行的股份制改革；第二，适度优化商业银行的规模；第三，提高资产质量、强化风险管理；第四，发展中间业务，提高金融创新程度；第五，提高人力资源质量、强化人才观念；第六，优化资产结构、适度引进境外投资者。关键词：国有控股；非国有控股；商业银行效率；比较研究AbstractFinanceisthecoreofthenationaleconomy,isthecornerstoneofthesustained andhealthydevelopmentofthenationaleconomy.Commercialbanksasthemain bodyofChinasfinancialindustryhasplayadecisiverole,theinfluenceonthe developmentofthenationaleconomy.American subprimemortgagecrisisand the Europeandebtcrisisshowspromotionsystemofcommercialbanksinan operatingefficiencyforthedevelopmentof thenationaleconomyplayan indispensablerole.Lookingtothefuture,thecompetitionamongcommercial banks notonlywill changerapidlyandthe likearagingfire,andthekeyto determinethesuccessorfailure ofcompetitionliesinitsefficiency.Therefore, to researchtheefficiencyofcommercialbanksisofgreattheoreticalandpractical significance.Inthispaper,theefficiencyofstate-ownedandnonstate-ownedcommercial banksastheresearchobject,throughcomparativestudyandempiricalresearch, tryingtoanswerthefollowingseveralaspects:thestatusanddifferencesin managementefficiencyofstate-ownedandnonstate-ownedcommercialbanks?The mainreasonscausingthedifferencesofefficiencyiswhat?Andhowtoimprovethe efficiencyofcommercialbanks?This research mainlylaunches from thefollowing aspects:Firstly,introducesthebackgroundand significanceoftheresearchandthe relevantresearchofdomesticandforeignliteraturetocomb,onthebasisofthe calculationmethodofdefinition,classification,influencefactorsandefficiencyof commercialbankefficiency,dothetheoryandtechnologyfoundationforthe empirical analysis of the followingparts.Secondly,throughtheDEAmodelinputoriented,ontheefficiencyof state-ownedandnonstate-ownedcommercialbanksweremeasured,themain findingis:first,onthetechnicalefficiencyandallocativeefficiency,state-owned commercialbanksis lowerthanthatofstate-ownedcommercialbanks,butthe differenceisgraduallynarrowing,state-ownedcommercialbankshavecatchupwiththetrend;second,puretechnologyefficiency,state-ownedcommercialbanksand nonstateholdi