摘要
本文使用数据包络分析方法,对中国16家全国性银行2005～2008年间的技术效率值进行了测算和评价,并利用16家银行的混合截面数据,使用回归方程考察了银行盈利模式与效率的关系,具体分析了收入结构对技术效率影响的动态变化。研究结果表明:中国银行业整体效率水平仍然不佳;国有银行和股份制商业银行间的差距逐渐加大;非利息收入占比对银行效率呈现正向效应逐渐减弱的趋势,其作用受到银行不同类型业务费用控制能力的制约。本文还同时考察了银行资产实力、成本费用控制能力和公司治理决策水平与技术效率间的关系,并提出了相关的政策性建议。
In this paper, the method of Data Envelope Analysis (DEA) is applied to calculate and evaluate the technical efficiency values of 16 national banks in China from 2005 to 2008. Furthermore, by using the mixed cross-sectional data of the 16 banks, the paper establishes a regression equation to inspect the relationship between profit mode and efficiency of the banks and analyzes the dynamic change of the influence of income structure on technical efficiency. The results indicate that (1) the overall efficiency of Chinese banking is still low; (2) the gap between state-owned banks and joint-stock commercial banks is gradually widening; (3) the positive effect of non-interest income proportion on bank efficiency is gradually reduced, which is constrained by the ability of banks to control various kinds of operating expenses. The paper also explores the relationships among asset size, the ability to control costs and expenses, the ability of corporate governance and decision-making and the technical efficiency of banks. Then the paper raises some relevant policy-oriented recommendations to increase the efficiency of the banking.
出处
《金融论坛》
CSSCI
北大核心
2010年第6期43-51,共9页
Finance Forum
关键词
商业银行
盈利模式
收入结构
技术效率
数据包络分析
commercial bank
profit mode
income structure
technical efficiency
Data Envelope Analysis
