摘要
商业银行在我国的金融体系中占据重要地位,其经营效率的高低不仅关系到自身发展,而且关系到全社会范围内资源的合理配置和我国金融市场的稳定与发展。选取利息收入、非利息收入、贷款和税前利润作为产出变量,利息支出、营业支出、存款和固定资产净值作为投入变量,基于DEA的Malmquist生产指数法对2007—2015年我国14家商业银行的全要素生产率变化指数进行动态分析。结果表明,我国商业银行经营效率水平上升,但在2015年度出现下降趋势,国有银行效率低于股份制商业银行。
Commercial banks occupy an important position in China＇ s financial system, whose operating efficiency is related to their own development, the reasonable allocation of resources in the whole society as well as the stability and development of the financial market in China. Interest income, non - interest income, loan and pre - tax profit were selected as output variables. Interest expenditure, revenue expenditure, deposit and net value of fixed assets were chosen as input variables. Malmquist productivity index approach based on DEA was taken to conduct a dynamic analysis on the change index of total factor productivity of 14 commercial banks in China from 2007 to 2015. Results showe that the operating efficiency of China＇ s commercial banks rose and presented a downward trend in 2015 and the efficiency of state - owned banks was lower than that of joint - stock commercial banks.
出处
《对外经贸》
2016年第11期106-109,共4页
FOREIGN ECONOMIC RELATIONS & TRADE
