近年來大中華地區（台灣、中國大陸、香港與澳門）間之貿易往來日漸頻繁，促使了四個區域間之金融服務交流，在過去，四個區域的銀行發展差異很大，但隨著一連串的金融改革與開放，大中華地區之銀行經營規模成長快速且經營範疇更多元更廣泛。在金融發展快速開放的情況下，本文欲探討金融發展在大中華地區是否能夠促進經濟成長？金融發展對於經濟成長之關係一直以來是很重要之議題，但在過去文獻之實證結果卻無法得到一致的結論，本文利用銀行效率變數取代過去文獻使用之金融變數，希望透過銀行效率變數更正確的了解金融發展對於經濟成長之影響關係。
　　有鑑於此，本文利用1998年至2010年大中華地區82家銀行資料與大中華地區之總體經濟資料，欲了解在這十三年間，其銀行之成本效率與經濟成長之關係。實證結果發現：(1)大中華地區銀行效率在1998年至2010年間普遍提升，且四個地區之銀行效率的差異有逐漸收斂之勢。(2)銀行效率確實能夠帶動經濟成長，成為衡量金融效率的重要指標。(3)傳統過去文獻中之金融發展變數(數量變數)對於經濟成長之影響不顯著，甚至為負相關。在本研究，我們認為，金融發展對於經濟成長之影響不在於金融服務數量的多寡，而在於金融服務品質的優劣，銀行效率為一衡量金融效率的良好指標，相較於過去傳統之數量變數，更能夠正確的衡量金融服務之質量。

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