考虑服务水平的商业银行综合效率评价研究

发布时间：2018-05-26 22:13

本文选题：效率评价 + 非期望产出　；参考：《运筹与管理》2012年01期

【摘要】：商业银行是我国银行体系的主体,提高银行的经营效率和服务水平是当前金融改革的重点。已有的研究较多关注于银行的收益,对银行的非期望产出如呆坏账及服务水平等关注较少。本文运用多个处理非期望产出的DEA模型,对2008年中国商业银行的效率进行了评价分析。文章在改进熵DEA方法的基础上,利用指标体系对商业银行的综合效率进行了测度并对比了处于多模型条件下模型的区分度问题。研究结果显示,呆坏账、服务水平(等待时间)等非期望产出对商业银行的效率意义重大;股份制商业银行的效率普遍高于国有商业银行,因此国有商业银行的股份制改造是一个积极的方向。最后,根据实证分析的结果提出的效率改进建议对商业银行的自身发展和管理当局的改革规划都具有重要的指导意义。
[Abstract]:Commercial banks are the main body of the banking system in our country. Improving the management efficiency and service level of the banks is the focus of the current financial reform. Previous studies have focused more on banks' earnings and less on banks' non-expected outputs such as bad debts and service levels. This paper analyzes the efficiency of Chinese commercial banks in 2008 by using several DEA models dealing with non-expected outputs. Based on the improved entropy DEA method, this paper measures the comprehensive efficiency of commercial banks by using the index system and compares the classification of the models under the condition of multiple models. The results show that unexpected outputs such as bad debts, service level (waiting time) are of great importance to the efficiency of commercial banks, and the efficiency of joint-stock commercial banks is generally higher than that of state-owned commercial banks. So the share-holding system transformation of state-owned commercial banks is a positive direction. Finally, the efficiency improvement suggestions based on the results of empirical analysis are of great significance to the development of commercial banks and the reform planning of management authorities.
【作者单位】：中国科学技术大学管理学院;
【基金】：国家自然科学基金创新研究群体科学基金(70821001),国家自然科学基金资助项目(70801056) 中国科学技术大学青年科学基金
【分类号】：F832.33;N945.16

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