期刊论文

The Efficiency Evaluation of Chinese Commercial Banks Based on DEA-Malmquist Index

中文

浙江金融

1005-0167

2020

6

12-21

湖南省教育厅科学研究重点项目“我国脱贫攻坚与乡村振兴衔接的机理和路径研究”（19A234）；

本校为第一机构

对商业银行效率的科学解释有助于确定选择银行效益增长策略,提高银行核心竞争力.本文选取了2014～2018年包括国有大型商业银行、股份制商业银行、城市商业银行、农村商业银行和外资银行等在内的72家商业银行作为样本,采用DEA-Malmquist指数研究方法,对商业银行效率进行实证研究.研究发现:技术进步不同程度上提高了各商业银行经营效率,但商业银行技术效率整体水平不高,除股份制银行以外,技术效率不同程度地抑制了其他类型商业银行经营效率的提升.最后,本文从技术创新、风险管控、人才培育等方面对商业银行有针对性地提出建议对策,以提高银行经营效率.

The scientific explanation of the efficiency of commercial banks is helpful to determine the choice of bank efficiency growth strategy and improve the core competitiveness of banks. In this paper, 72 commercial banks, including large state-owned commercial banks, joint-stock commercial banks, urban commercial banks, rural commercial banks and foreign banks, are selected as samples, and DEAMalmquist index research method is used to make an empirical study on the efficiency of commercial banks. It is found that technological progress improves the operational efficiency of commercial banks to var...