乐山市商业银行效率实证研究

发布时间：2018-04-02 01:16

本文选题：城市商业银行　切入点：银行效率　出处：《南京航空航天大学》2016年硕士论文

【摘要】：对于经济发展来说,金融业是不可或缺的,其中银行也更是金融行业的中流砥柱。商业银行是一个以盈利为目的的单位,以最小的投入获得最大的产出是银行所一直追求的目标,其效率的高低在很大程度上决定了银行盈利水平。同时,银行的效率问题也一直是学者们所探讨的问题。中国的城市商业银行是从20世纪90年代左右才开始由城市信用社改制而成。它立足于广大中小城市的金融业发展,为中小城市的经济注入活力。本文所研究的对象---乐山市商业银行---是中国第一批发展成立的城市商业银行之一,发展历史相对较久,具有研究价值。本文首先说明了乐山市商业银行效率研究的背景和意义,通过相关文献的研究了解银行效率研究领域的基本情况。其次,本文明确了效率等概念,阐明了银行效率评价方法等理论对银行效率测算的指导意义并且确定了本文的研究方法为财务指标分析法和数据包络分析法。再次,本文从基本情况、组织架构和基本经济指标等方面描述了乐山市商业银行的现状。本文还基于财务指标分析方法和基于投入导向和规模报酬变化的数据包络分析方法来测算了2012-2014年乐山市商业银行的效率,指出了影响乐山市商业银行效率的因素。运用财务指标分析方法得出乐山市商业银行在2012-2014三年间的财务效率值均不高,用数据包络分析方法得出乐山市商业银行在2012年未达到DEA有效,但在2013和2014年均为DEA有效。最后,对本文作了总结并依此提出相应的效率提升建议。
[Abstract]:For economic development, the financial sector is indispensable, among which banks are also the mainstay of the financial industry. Commercial banks are a profit-making unit. To obtain the maximum output with the smallest input is the goal that the bank has been pursuing all the time, and the level of its efficiency largely determines the level of the bank's profit. At the same time, The efficiency of banks has also been discussed by scholars. China's urban commercial banks began to be restructured by urban credit cooperatives in the 1990s. It is based on the development of the financial industry in the vast number of small and medium-sized cities. It is one of the first urban commercial banks developed and established in China, which has a relatively long history. This paper first explains the background and significance of the research on the efficiency of commercial banks in Leshan City, and through the research of relevant literature to understand the basic situation of the research field of bank efficiency. Secondly, this paper clarifies the concept of efficiency, etc. This paper clarifies the guiding significance of the theory of bank efficiency evaluation to the measurement of bank efficiency and determines that the research methods in this paper are financial index analysis and data envelopment analysis. The present situation of Leshan commercial bank is described in terms of organizational structure and basic economic indicators. This paper also calculates the period 2012-2014 based on financial index analysis method and data envelopment analysis method based on input orientation and scale return change. The efficiency of Leshan Commercial Bank, This paper points out the factors that affect the efficiency of Leshan commercial bank. By means of financial index analysis, it is concluded that the financial efficiency of Leshan commercial bank in 2012-2014 is not high. By using the method of data envelopment analysis, it is concluded that Leshan Commercial Bank did not achieve DEA validity in 2012, but was effective in both 2013 and 2014. Finally, this paper summarized and put forward corresponding suggestions for efficiency improvement.
【学位授予单位】：南京航空航天大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F224;F832.33

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