山东省银行业效率的地区差异及其经济效应研究
发布时间：2018-07-28 11:18
【摘要】：银行业在金融业中处于核心地位。在金融资源有限的情况下,要想使银行业的作用得到最大程度的发挥,必须提高银行业效率。如今金融业的竞争愈发激烈,银行业效率的重要性也日益凸显。银行业效率的提升,不仅能使银行在激烈的竞争中脱颖而出,而且对一个地区的经济增长也有着积极的作用。本文重点考察银行业效率的地区差异及其经济效应。城市经济是国民经济中不可或缺的一部分,通过发展各城市银行业来促进城市经济的发展一直是理论界和实务界的研究热点,但大部分研究只局限于全球性、国家性或区域性的研究。而本文选取山东省各地级市作为研究对象,研究山东省不同地区银行业效率的高低,以及各地区银行业效率对自身经济增长产生的影响及其差异性。本文研究的银行业效率指银行技术效率。在测量各地级市的银行业效率时,本文采用数据包络分析中的超效率DEA模型。通过对山东省各地级市2004-2013年银行业技术效率的比较,可以发现：银行效率的前四名分别是济南市、滨州市、菏泽市和东营市,银行业效率较高；后四名分别是威海市、潍坊市、泰安市和济宁市,银行业效率较低；而枣庄市、聊城市、临沂市、莱芜市、青岛市和德州市6个城市的银行业效率处于中间位置。而且,通过对历年银行业效率变化趋势的分析,针对不同的城市应采取不同的应对方法。在分析各城市银行业效率对自身经济产生的影响时,本文采用面板数据模型中的变参数模型,通过实证分析得出了山东省各城市的银行业效率系数。结果显示：山东省各地级市中,有济南市等13个城市的银行业效率对地区的经济增长影响显著,起到了良好的促进作用。青岛市发展良好的银行业效率却对自身经济增长没有产生良好的促进作用,是其亟需解决的难题。在上述研究结论的基础上,本文尝试提出一些政策建议以供参考：山东省政府及各地级市政府应通过提高监管水平、加强人力管理、推动利率市场化等有效措施提高本地的银行效率,使银行业与经济发展形成良性互动的关系,从而实现全方位的协调发展。
[Abstract]:Banking is at the heart of the financial industry. In the case of limited financial resources, we must improve the efficiency of banking if we want to maximize the role of banking. Nowadays, the competition in financial industry is becoming more and more fierce, and the importance of banking efficiency is becoming more and more prominent. The improvement of banking efficiency can not only make banks stand out in the fierce competition, but also play a positive role in the economic growth of a region. This paper focuses on the regional differences of banking efficiency and its economic effects. Urban economy is an indispensable part of the national economy. It has been a hot research topic in theory and practice to promote the development of urban economy through the development of urban banking, but most of the research is limited to the global. Research of a national or regional nature This paper chooses each prefecture-level city of Shandong Province as the research object, studies the level of banking efficiency in different regions of Shandong Province, and the influence and difference of each region's banking efficiency on its own economic growth. The banking efficiency studied in this paper refers to the technical efficiency of banks. In order to measure the banking efficiency of each prefectural city, this paper adopts the super-efficiency DEA model in data envelopment analysis. By comparing the technical efficiency of banking industry between 2004 and 2013 in various prefectural cities in Shandong Province, it can be found that the first four places of banking efficiency are Jinan, Binzhou, Heze and Dongying, and the last four are Weihai and Weifang, respectively. The banking efficiency of Taian City and Jining City is low, while that of Zaozhuang City, Liaocheng City, Linyi City, Laiwu City, Qingdao City and Dezhou City is in the middle position. Moreover, through the analysis of the trend of banking efficiency, different cities should adopt different methods. In the analysis of the impact of the efficiency of each city banking on their own economy, this paper adopts the variable parameter model in the panel data model, and obtains the efficiency coefficient of each city of Shandong Province by empirical analysis. The results show that the banking efficiency of 13 cities in Shandong Province has a significant impact on the regional economic growth and plays a good role in promoting the regional economic growth. Qingdao's well-developed banking efficiency does not play a good role in promoting its economic growth, which is a difficult problem to be solved. On the basis of the above conclusions, this paper tries to put forward some policy suggestions for reference: the Shandong provincial government and the prefectural government should strengthen the manpower management by improving the supervision level. To promote the interest rate marketization and other effective measures to improve the efficiency of local banks, so that the banking industry and economic development form a benign interactive relationship, so as to achieve all-round coordinated development.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F224;F832.7;F127
[Abstract]:Banking is at the heart of the financial industry. In the case of limited financial resources, we must improve the efficiency of banking if we want to maximize the role of banking. Nowadays, the competition in financial industry is becoming more and more fierce, and the importance of banking efficiency is becoming more and more prominent. The improvement of banking efficiency can not only make banks stand out in the fierce competition, but also play a positive role in the economic growth of a region. This paper focuses on the regional differences of banking efficiency and its economic effects. Urban economy is an indispensable part of the national economy. It has been a hot research topic in theory and practice to promote the development of urban economy through the development of urban banking, but most of the research is limited to the global. Research of a national or regional nature This paper chooses each prefecture-level city of Shandong Province as the research object, studies the level of banking efficiency in different regions of Shandong Province, and the influence and difference of each region's banking efficiency on its own economic growth. The banking efficiency studied in this paper refers to the technical efficiency of banks. In order to measure the banking efficiency of each prefectural city, this paper adopts the super-efficiency DEA model in data envelopment analysis. By comparing the technical efficiency of banking industry between 2004 and 2013 in various prefectural cities in Shandong Province, it can be found that the first four places of banking efficiency are Jinan, Binzhou, Heze and Dongying, and the last four are Weihai and Weifang, respectively. The banking efficiency of Taian City and Jining City is low, while that of Zaozhuang City, Liaocheng City, Linyi City, Laiwu City, Qingdao City and Dezhou City is in the middle position. Moreover, through the analysis of the trend of banking efficiency, different cities should adopt different methods. In the analysis of the impact of the efficiency of each city banking on their own economy, this paper adopts the variable parameter model in the panel data model, and obtains the efficiency coefficient of each city of Shandong Province by empirical analysis. The results show that the banking efficiency of 13 cities in Shandong Province has a significant impact on the regional economic growth and plays a good role in promoting the regional economic growth. Qingdao's well-developed banking efficiency does not play a good role in promoting its economic growth, which is a difficult problem to be solved. On the basis of the above conclusions, this paper tries to put forward some policy suggestions for reference: the Shandong provincial government and the prefectural government should strengthen the manpower management by improving the supervision level. To promote the interest rate marketization and other effective measures to improve the efficiency of local banks, so that the banking industry and economic development form a benign interactive relationship, so as to achieve all-round coordinated development.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F224;F832.7;F127
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