创新驱动、利率市场化与银行业效率提升

发布时间：2018-05-01 12:27

本文选题：利率市场化改革 + 银行运行效率　；参考：《改革》2017年03期

【摘要】：对利率市场化程度进行测算,并使用DEA方法对14家商业银行近20年的效率进行测算和研究,在构建合理的利率市场化指标基础上,选取面板数据,就利率市场化程度对我国商业银行业效率影响进行实证分析。结论表明,随着我国利率市场化进程的加深,我国商业银行的总体效率是提高的,而国有商业银行综合效率不高,对利率市场化反应不明显。提升国有商业银行综合效率,应改革产权和治理结构,改进管理水平;强化成本管理,有效处置不良资产;发展中间业务,加快金融创新。
[Abstract]:This paper measures the degree of interest rate marketization, calculates and studies the efficiency of 14 commercial banks in the past 20 years by using DEA method, and selects panel data on the basis of constructing reasonable interest rate marketization index. This paper makes an empirical analysis on the effect of interest rate marketization on the efficiency of commercial banking in China. The conclusion shows that with the deepening of interest rate marketization in China, the overall efficiency of commercial banks in China is improved, but the comprehensive efficiency of state-owned commercial banks is not high, and the reaction to interest rate marketization is not obvious. To improve the comprehensive efficiency of state-owned commercial banks, we should reform the property rights and governance structure, improve the management level, strengthen cost management, effectively dispose of non-performing assets, develop intermediate business, and speed up financial innovation.
【作者单位】：大连理工大学管理与经济学部;
【基金】：教育部人文社会科学研究项目“外部流动性冲击与我国金融稳定”(批准号:16YJA790001)
【分类号】：F832.5;F832.33

【相似文献】