基于DEA方法的中国政策性银行经营效率实证研究

发布时间：2019-01-25 18:48

【摘要】：我国政策性银行包括国家开发银行、中国农业发展银行和中国进出口银行。三家银行是在伴随着我国不断深入进行的经济体制改革的的过程中相继成立的，并在推动我国经济发展、建设社会主义市场经济过程中做出了杰出贡献，我国政策性银行的建立，是我国金融体制改革创新阶段性的成功。效率研究是企业管理的核心问题之一，对于政策性银行亦是如此。在银行领域，效率的研究主要集中在商业银行领域，对于政策性银行效率的研究较为少见，但是，政策性银行在一个国家的金融领域中的地位越来越重要，政策性银行的经营理念也日益更新，如何提高政策性银行的经营效率，将引起人们越来越多的关注，同时，这也关系着政策性银行将来的发展，关系着金融环境的稳定和国家经济的发展。本文总结了三家政策性银行经营的现状，并分析了三家银行所面临的主要问题，选取适当的投入产出指标，运用DEA方法从静态角度测度了三家银行的技术效率、纯技术效率和规模效率；然后从动态角度对三家银行的Malmquist指数进行了测度研究，得出了三家银行在近些年的效率变化趋势情况，同时结合相关计算结果分析了投入冗余率和产出不足率。在此基础上，通过对比分析三家政策性银行间的经营效率情况，发现我国政策性银行尽管在近些年通过采取一定的改革措施，取得了一定的成果，，但是仍存在经营效率低，管理不善的情况。针对存在的这些问题，本文提出了相应的对策建议，以提升政策性银行的经营效率。
[Abstract]:China's policy banks include the China Development Bank, the Agricultural Development Bank of China and the Import and Export Bank of China. The three banks were established one after another in the course of the deepening economic system reform in our country, and they have made outstanding contributions in the process of promoting the economic development of our country and building a socialist market economy. The establishment of policy banks in China is the success of the reform and innovation of our financial system. Efficiency research is one of the core problems of enterprise management, and so is the policy bank. In the field of banking, the study of efficiency is mainly focused on the field of commercial banks, but the research on efficiency of policy banks is relatively rare. However, the status of policy banks in the financial field of a country is becoming more and more important. The management concept of policy banks is also being updated day by day. How to improve the management efficiency of policy banks will attract more and more attention. At the same time, it is also related to the future development of policy banks. Related to the stability of the financial environment and national economic development. This paper summarizes the current situation of the three policy banks, analyzes the main problems they face, selects appropriate input-output indicators, and measures the technical efficiency of the three banks from the static point of view by using the DEA method. Pure technical efficiency and scale efficiency; Then the Malmquist index of the three banks is measured from the dynamic point of view, and the trend of efficiency changes in the three banks in recent years is obtained. At the same time, the input redundancy rate and the output insufficiency rate are analyzed based on the related calculation results. On this basis, through the comparative analysis of the operating efficiency among the three policy banks, it is found that although the policy banks of our country have achieved certain results in recent years by adopting certain reform measures, they still have low operating efficiency. A situation of mismanagement. In view of these problems, this paper puts forward the corresponding countermeasures and suggestions to improve the operational efficiency of policy banks.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.31

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