State-owned Commercial Banks Operating Scale And Efficiency To Explore

With the stepping into the ninety ages of 20 century, the tides of combination in world financial trade are becoming more and more serious, the bank scales were expanding substantially, as well super banks were sprouting one after another. While, what's the meaning of scales expansion to theses special financial enterprises like banks? Aiming at the scale operation, the scholars all over the world investigate this issue in multi-methods.At present, with the deepen reform of financial system in China, the reform of state-owned commercial bank stand in a so core status. After entering into WTO, facing to the serious competition from domestic joint-stock banks and foreign commercial banks, how to most extremely exert the merits of substantive scale itself, for thestate-owned banks, which should be the emphasized task for a while in future.To begin with the theory of enterprises scale, the paper has a systematic conclusion of enterprises scales research hi the West Economics. On this bases, setting out from commercial bank management scales, combining with the characters in management objects, management method, production cost and so on, this paper submit that the commercial bank is a financial enterprises with obvious scale expansion effects, that's mean with the expansion of bank scale, the bank average cost will decrease, the efficiency will rise also. While same as general enterprises, the bank scale is not as bigger as better. Following this paper has a detailed analysis that the influence to bank scale expansion effects come from such factors as market structure, management level, preferable scale, scale economics and so on in the real financial operation environment. With that, through the comparison in scales and efficiency between the four state-owned commercial banks, domestic joint-stock commercial banks with foreign super banks, this paper point out the reality that the worse efficiency of state-owned commercial bank, further to analyze the reason of state-owned bank huge scale while not economics from system, technical, management, and branch setting and so on. At last, aiming at above reasons and combing with real situation of the present environment of China financial reform andstate-owned banks, and also as reference of advanced experience of foreign banks, this paper conclude the corresponding measures to how to exert the predominance of state-owned commercial banks scale.