城市商业银行改革发展绩效评价及改进方向——基于三阶段DEA模型Malmquist指数分析法的研究
发布时间：2018-08-18 10:18
【摘要】：基于国内62家城市商业银行2009-2016年相关数据,使用三阶段数据包络分析模型对城商行的改革发展绩效进行实证分析发现:2010-2012年间,城商行全要素生产率的提升主要来自于规模效率的增加,而纯技术效率及技术进步变化并不明显;2013-2016年间,在技术进步没有改善的情况下,随着规模效率的递减,城商行的全要素生产率呈现持续下降态势。因此,从一定程度上来讲,近几年城商行的快速增长主要得益于宏观经济及监管政策红利驱动的规模扩张,这与监管层面的政策目标是不一致的。城商行必须摆脱对规模扩张路径的依赖,充分认识创新转型对其发展的推动作用。一方面,加快以知识信息数据等新生产要素为支撑、以新技术新业态新模式为核心的金融创新,通过创新改造传统业务、培育新的利润增长点以及实现跨界合作,释放发展新动能;另一方面,持续不断地变革转型,通过强化战略思维转型、组织机制转型,强化信息科技支撑,提高价值创造力。
[Abstract]:Based on the relevant data of 62 commercial banks in China from 2009-2016, this paper uses the three-stage data envelopment analysis model to analyze the reform and development performance of urban commercial banks. The increase of total factor productivity of Citybank mainly comes from the increase of scale efficiency, while the change of pure technical efficiency and technological progress is not obvious. In the case of no improvement in technological progress, the increase of scale efficiency decreases with the increase of scale efficiency. The total factor productivity of city commercial bank presents the trend of continuous decline. Therefore, to some extent, the rapid growth of urban commercial banks in recent years is mainly due to macroeconomic and regulatory policy dividend driven scale expansion, which is inconsistent with the regulatory level of policy objectives. City commercial banks must get rid of their dependence on the path of scale expansion and fully understand the role of innovation transformation in promoting their development. On the one hand, we should accelerate financial innovation based on new factors of production, such as knowledge, information and data, and take new technologies and new business patterns as the core. Through innovation, we should transform traditional business, foster new profit growth points and realize cross-border cooperation. On the other hand, we should constantly change and transform, strengthen the transformation of strategic thinking and organization mechanism, strengthen the support of information technology, and improve the creativity of value.
【作者单位】： 泉州银行;
【分类号】：F832.33
本文编号：2189162
[Abstract]:Based on the relevant data of 62 commercial banks in China from 2009-2016, this paper uses the three-stage data envelopment analysis model to analyze the reform and development performance of urban commercial banks. The increase of total factor productivity of Citybank mainly comes from the increase of scale efficiency, while the change of pure technical efficiency and technological progress is not obvious. In the case of no improvement in technological progress, the increase of scale efficiency decreases with the increase of scale efficiency. The total factor productivity of city commercial bank presents the trend of continuous decline. Therefore, to some extent, the rapid growth of urban commercial banks in recent years is mainly due to macroeconomic and regulatory policy dividend driven scale expansion, which is inconsistent with the regulatory level of policy objectives. City commercial banks must get rid of their dependence on the path of scale expansion and fully understand the role of innovation transformation in promoting their development. On the one hand, we should accelerate financial innovation based on new factors of production, such as knowledge, information and data, and take new technologies and new business patterns as the core. Through innovation, we should transform traditional business, foster new profit growth points and realize cross-border cooperation. On the other hand, we should constantly change and transform, strengthen the transformation of strategic thinking and organization mechanism, strengthen the support of information technology, and improve the creativity of value.
【作者单位】： 泉州银行;
【分类号】：F832.33
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