摘要
2006年底入世保护期结束后我国银行业进入新发展阶段,本文运用DEA方法对2007—2008年国内22家商业银行经营效率进行测算,结果表明典型城市商行平均效率最高,全国性股份制银行稍低,四大国有控股银行最低。其中,规模无效是引起我国银行效率较低的主要原因。在此基础上,利用回归模型对影响银行效率的微观因素进行了分析,得出成本收入比、资产质量、盈利能力、资产结构、总资产规模与银行效率显著相关,从而提出优化银行经营规模,加快银行业全面创新和技术进步,降低成本收入比,提高盈利能力和风险控制能力等提高银行效率的对策。
After the end of the protection period of WTO by the end of 2006,China＇s banking industry has entered a new stage of development;this paper utilizes the DEA approach to estimate the efficiency of 22 domestic commercial banks during the period of 2007—2008.The result shows that the average efficiency of typical urban banks is highest,the nationwide joint-stock banks is lightly lower,the four major state-owned banks is the lowest,and the scale ineffectiveness is the primary cause for the low efficiency of Chinese banks.On this basis,this paper resorts to the regression analysis to study the microscopic factors affecting the bank efficiency,which proves that the cost-income ratio,asset quality,profitability,asset structure,and the total asset size are remarkably correlated with the banks efficiency.Based on the above this paper has proposed to optimize the bank management scale,speed up the comprehensive innovation and the technology advancement of the banking industry,lower cost-income ratio,improve profitability and risk control capability,etc.to lift banks efficiency.
出处
《河北大学学报（哲学社会科学版）》
CSSCI
北大核心
2010年第2期32-37,共6页
Journal of Hebei University(Philosophy and Social Science)
关键词
商业银行
技术效率
规模效率
commercial banks
technical efficiency
scale efficiency
