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China’s Banking Industry Economies of Scale: Theory and Empirical Research

Author: BaWeiJie
Tutor: WuYan
School: Southwest University for Nationalities
Course: Finance
Keywords: Economies of scale Parameter method Generalized beyond the cost function of the logarithm of Panel Data
CLC: F224
Type: Master's thesis
Year: 2011
Downloads: 65
Quote: 0
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Abstract

With economic development, the advancement of technology, the role of the financial markets have become increasingly prominent, the banking industry as an important part of the financial markets, control the economic lifeline of the country, its efficiency is directly related to the direction of financial reform, commercial banks competitiveness of the core content and important manifestations. China's financial system reform has been 30 years, during this period, the five largest state-controlled bank gradual recovery and development, policy banks, joint-stock commercial banks and other financial institutions have been appearing with the deepening of reform, China's economic development The continuous injection of power, but compared to banks in developed countries, there is still a low quality of service, backward intermediary business, profitability is low, and poor ability to resist risks and disadvantages, how to effectively improve the efficiency of China's banking industry, increase in competitiveness in the international banking industry appears to be particularly important. Top scholars in the past on the basis of studies of bank efficiency, starting from the point of view of economies of scale to five state-controlled banks, nine joint-stock commercial banks 1997-2008 data sample, the use of the generalized parameter method beyond cost function model using panel data analysis theory and empirical research on the effects of economies of scale of China's banking industry, the empirical results show that most of the state-controlled banks there are diseconomies of scale phenomenon, but as its own series of adjustment and reforms have occurred in a significant improvement in the general trend of the economies of scale coefficient is decreasing year by year, while most of the joint-stock commercial banks there are minor phenomenon of economies of scale, economies of scale factor stability, and there is a lot of room for improvement. The empirical results also show that the ability of China's banking defensive risk in the gradual strengthening of the Asian financial crisis and the global financial tsunami has a great impact on China's banking industry, but the economies of scale coefficient estimates that China's banking industry has the strength and ability to withstand risks and maintain its stability. Coefficient of the economies of scale of the state-controlled banks and joint-stock commercial banks on the basis of the empirical results comparative analysis to identify the impact of economies of scale factors, combined with the objective of China's banking industry, the state-controlled banks and joint-stock commercial banks economies of scale, there is a gap is due to differences in asset size, system of property rights and technology to achieve the economies of scale of China's banking industry, and put forward some suggestions to improve their competitiveness, the hope of the future of China's banking reform and contribute to the development. ?

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