基于两阶段TOPSIS-DEA模型的我国商业银行经营绩效评价

发布时间：2018-02-25 05:29

本文关键词： 商业银行经营效率 TOPSIS DEA模型　出处：《金融理论与实践》2017年07期 　论文类型：期刊论文

【摘要】：随着我国利率市场化改革的深入,互联网金融的推广与普及,我国商业银行迎来了机遇与挑战并存的转型关键期,而提高经营效率成为各商业银行应对挑战并抓住机遇的重要举措。通过引入TOPSIS分析法构建两阶段TOPSIS-DEA模型,对我国17家商业银行经营效率进行了测算,并对同处于相对有效的评价单元进行了有效排序。研究结果证明了两阶段TOPSIS-DEA模型评价银行经营效率的有效性,实证结果表明:目前仍有较多银行的经营效率处于相对无效区域,而同处于相对有效的评价单元由于在资金组织及资金运用方面的差异存在二次排序现象。最后结合实证分析结果,分析我国商业银行目前存在的问题并提出相应的对策。
[Abstract]:With the deepening of China's interest rate marketization reform and the popularization and popularization of Internet finance, Chinese commercial banks have ushered in a crucial period of transition in which opportunities and challenges coexist. Improving the management efficiency has become an important measure for commercial banks to meet the challenge and seize the opportunity. Through the introduction of TOPSIS analysis method to build a two-stage TOPSIS-DEA model, the operational efficiency of 17 commercial banks in China has been measured. The results show that the two-stage TOPSIS-DEA model is effective in evaluating the operational efficiency of banks, and the empirical results show that there are still more banks operating efficiency in relatively ineffective areas. However, due to the difference in fund organization and fund utilization in the same evaluation unit, there is a secondary ranking phenomenon. Finally, combining with the results of empirical analysis, this paper analyzes the existing problems of commercial banks in our country and puts forward the corresponding countermeasures.
【作者单位】：浙江工业职业技术学院;南京财经大学;
【基金】：国家自然科学基金项目:带跳市场条件下行为保险投资决策研究(71471081)
【分类号】：F224;F830.42;F832.33

【参考文献】