基于DEA的我国网上银行运营效率评价分析

发布时间：2018-04-14 19:49

本文选题：网上银行运营效率 + 因子分析　；参考：《江西财经大学》2014年硕士论文

【摘要】：1996年6月,中国银行率先凭借国际互联网向公众提供金融业务服务,成为国内首家在互联网上拥有自己网站的商业银行,我国网上银行发展的历程由此拉开序幕。近二十年来,我国网银经历了萌芽、起步、发展、成熟四个阶段,从开发探索到逐步健全完善,网上银行这一高效便捷的金融服务模式正在不断深入日常工作生活的每一个细节。随着信息时代的到来,中国网民数量的迅速增长,网络的普及,网上银行这一全球性银行业务发展趋势必将成为我国银行业谋求发展的一条主要途径。但是由于我国网上银行相对于其他发达国家起步较晚、发展时间较短、制度体系不完备及应对措施尚不合理等问题依然存在,这使得其运营效率贡献率不够理想,仍然存在较大的发展空间。针对我国当前网上银行效率偏低,不能满足我国经济快速发展过程中对于网络信息技术支撑下的高效便捷金融服务的需求,网上银行的运营效率研究已经成为关系到银行业健康稳定发展的核心课题。提高网上银行运营效率,有利于优化促进金融资源的合理配置,有利于提升我国银行业的服务能力,有利于提高网上银行的利润率,增强我国网上银行的国际竞争力。本文选取国内14家重点商业银行为研究对象,使用截至2012年底银行各项数据,评价分析其网上银行运营的投入产出相对效率。首先,通过因子分析降低变量的维度,提取具有实际意义的投入能力因子和业务服务能力；然后,运用数据包络分析法,测评我国网上银行目前的整体运营效率和各家银行的效率值,实证分析表明,网上银行的投入和产出比的现状距离最优状态仍然有一定差距,为了更好地理解造成这一差距的原因,找出实际运营过程中可能出现的问题不足,定性分析影响我国网上银行效率的因素。在实证分析的基础上,本文分为宏观和微观两个大方面探索分析了影响我国网上银行效率的相关因素,这部分的分析不仅具有重要的理论价值和现实意义,而且有助于为提高网上银行提高运营效率制定相应的对策措施。文中最后一章,借鉴国外发达国家网上银行发展的先进经验,提出健全法律法规和监管措施,提供制度、保障网络平台建设和加强风险管理、创新服务和业务三项政策建议。
[Abstract]:In June 1996, the Bank of China took the lead in providing financial services to the public on the Internet and became the first commercial bank in China to have its own website on the Internet.In the past two decades, China's network silver has experienced four stages: germination, start, development and maturity, from exploration to gradual perfection.Online banking, an efficient and convenient mode of financial services, is going deep into every detail of daily working life.With the arrival of the information age, the rapid growth of the number of Chinese Internet users and the popularization of the network, the development trend of the global banking business is bound to become a main way for the development of China's banking industry.However, due to the problems such as late start, short development time, imperfect system and unreasonable countermeasures, the contribution rate of operation efficiency is not ideal.There is still greater room for development.In view of the current low efficiency of online banking in China, it can not meet the needs of efficient and convenient financial services supported by network information technology in the process of rapid economic development in China.The study of the operational efficiency of online banking has become a core issue related to the healthy and stable development of the banking industry.Improving the operational efficiency of online banking is beneficial to optimize and promote the rational allocation of financial resources, to promote the service ability of our banking industry, to improve the profit margin of online banks and to enhance the international competitiveness of our country's online banks.In this paper, 14 domestic key commercial banks are selected as the research objects, and the input-output efficiency of their online banking operations is evaluated and analyzed by using the bank data up to the end of 2012.Firstly, the dimension of variables is reduced by factor analysis, and the input capacity factor and business service ability are extracted. Then, the data envelopment analysis method is used.In this paper, the overall operational efficiency and efficiency of each bank are evaluated. The empirical analysis shows that there is still a certain gap between the input and output ratio of the Internet bank and the optimal state.In order to better understand the causes of this gap, to find out the possible problems in the actual operation process, qualitative analysis of the factors affecting the efficiency of online banking in China.On the basis of empirical analysis, this paper explores and analyzes the relevant factors that affect the efficiency of online banking in China from macro and micro aspects, which not only have important theoretical value and practical significance.Moreover, it is helpful to make corresponding countermeasures for improving the efficiency of online banking.In the last chapter, the author draws lessons from the advanced experience of internet banking in developed countries, and puts forward three policy suggestions: perfecting laws, regulations and supervision measures, providing system, ensuring the construction of network platform and strengthening risk management, innovating service and business.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F224;F832.33

【共引文献】