客观地看待商业银行发展的一般规律，可以认为，经过近10年的高增长之后，随着“宏观经济红利”效应的逐渐减弱和金融生态环境的转变，国内城商行在传统模式下的高增长态势很难长期持续。统计分析表明，样本城商行在经历2010-2011年的高速增长之后开始告别盈利高增长、“不良双降”、资本充足的良好发展态势。而Malmquist生产率指数的实证分析进一步表明，样本城商行的全要素生产率在经历2010-2011年的稳定增长后开始下降，技术效率及技术进步均出现不同程度的下降。%By objectively looking at the general principles of development of commercial banks, it can be be-lieved that after nearly ten years of high growth,with the gradually weakening of“macro-economic dividend”effect and changes of financial environment, trend of high growth in traditional mode is unsustainable for city commercial banks. Statistical analysis shows that after experiencing high-speed growth from 2010 to 2011,the samples of city com-mercial banks began to bid farewell to the high growth of profits, double decline of non-performing loan and capital abundance. At the same time,the empirical analysis of Malmquist index shows that the total factor productivity of city commercial banks began to decline after undergoing the steady growth between 2010 and 2011.
展开▼
