我国商业银行经营效率实证分析:供给侧和需求侧二维视角

发布时间：2018-01-31 17:34

本文关键词： 商业银行 DEA-Malmquist 经营效率需求侧供给侧　出处：《财会月刊》2017年32期 　论文类型：期刊论文

【摘要】：选取我国具有代表性的34家商业银行为样本,以2008~2015年的相关数据为研究对象,首先使用DEA-Malmquist指数法计算各类商业银行经营效率,发现样本期内,股份制商业银行的经营效率最高,农商行的经营效率最低。在此基础上,从需求侧和供给侧两个维度分析商业银行经营效率的影响因素。结果表明,需求侧因素对于商业银行经营效率影响的差异不明显,供给侧因素对于经营效率的影响存在一定差异,差异主要体现在资产配置效率和人力资本上,结果还表明我国商业银行存在同实体企业争利的现象。
[Abstract]:In this paper, 34 representative commercial banks in China are selected as the sample, and the relevant data from 2008 to 2015 are taken as the research object. First, using the DEA-Malmquist index method to calculate the operating efficiency of various commercial banks, it is found that in the sample period, the joint-stock commercial banks have the highest operating efficiency. Agricultural and commercial banks have the lowest operating efficiency. On this basis, from the demand side and the supply side of the two dimensions analysis of commercial banks operating efficiency factors. The results show that. The influence of demand-side factors on the operational efficiency of commercial banks is not obvious, and the influence of supply-side factors on operational efficiency is different. The differences are mainly reflected in the efficiency of asset allocation and human capital. The results also show that commercial banks in our country have the phenomenon of competing with entity enterprises for profit.
【作者单位】：东北农业大学理学院;东北农业大学经济管理学院;
【基金】：中国博士后科学基金项目“基于随机森林的农产品质量安全风险与预警理论与方法研究”(项目编号:2014M56132)
【分类号】：F224;F832.33
【正文快照】： 一、引言近年来,在我国经济由高速发展进入中高速发展的新常态背景下,伴随着经济增速的放缓、P2P网络借贷行业的异军突起、民营银行的发展壮大、外资银行的持续渗透以及金融改革的不断深化,我国商业银行的经营受到了极大的冲击,利润率不断降低。银行业的健康发展直接关系到

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