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中资银行产生大量利润,并且拥有相对较低的不良贷款。然而,良好的财务业绩本身并不能保证银行中介经济的财政资源的有效。大部分中资银行效率仍相当低。大银行倾向于积蓄存款且经营超出了规模收益递减点,而小银行的经营处于规模报酬递增。这表明,重新分配大、小银行的存款会提高整体效率。本文认为,银行效率和利润之间没有显著相关性。导致银行体系尽管广泛的低效率但具有巨额利润的可能因素是低存款利率,息差大,且市场集中度高。
Chinese banks generate large profits and have relatively low levels of non-performing loans. However, good financial performance alone does not guarantee the effective financial resources of the banking intermediary economy. Most Chinese banks are still quite efficient. Big banks tend to accumulate deposits and operate beyond the point of diminishing returns to scale, while small banks are operating at increasing returns to scale. This shows that redistributing deposits of large and small banks will increase overall efficiency. This paper argues that there is no significant correlation between bank efficiency and profit. The possible factors contributing to the huge profits of the banking system in spite of widespread inefficiencies are low deposit rates, large spreads and high market concentrations.