摘要
本文从经济增长的共协理论出发,建立包括金融制度创新、金融人力资本创新和金融科技创新等因素在内的银行业绩(营业收入)增长模型,并利用数据包络分析方法测算制度创新在银行绩效增长中的贡献率。对民生银行进行的实证测算结果表明,金融创新是民生银行绩效高速增长的主要推动力,而且也大大提升了民生银行的抗风险能力。由此论证在适宜的经济环境下,如果银行审慎经营,金融创新是遵守激励相容原理的,也说明"财富增长论"、"约束诱导论"、"避管制论"等均具有片面性,不足以描述整个银行业。2013年,民生银行规模收益有较大下降,在转型期,为促进民生银行转型,本文借鉴美国富国银行的经验,提出了几点综合创新对策。
Based on the symbiotic theory of economic growth,this paper establishes a bank performance（operating income） growth mode,embodying such factors as financial system innovation,financial human capital innovation and financial technology innovation,and measures the contribution rate of system innovation in bank performance growth by the DEA method.Empirical analysis of Minsheng Bank shows that financial innovation is the main driving force for the rapid growth of bank performance,which also greatly enhances the risk resistance capacity of the bank.It is thus demonstrated that in the favorable economic environment,if the bank operates prudently,financial innovation is in accordance with the principle of incentive compatibility,which shows at the same time that such theories as ＂wealth growth theory＂,＇restraint induction theory＂,and ＂avoidance control theory＂ are one-sided and are not applicable to the whole banking sector.Besides,it is also found that in 2013,the scale income of Minsheng bank declined greatly,as for the transition period,in order to promote the transformation of Minsheng Bank,some comprehensive innovation countermeasures are put forward,after drawing lessons from the experience of Wells Fargo of the United States of America.
作者
李怀
蒋雨亭
LI Huai JIANG Yuting(Dongbei University of Finance and Economics, Dalian 116025 Dalian Banking Regulatory Bureau, Dalian 166500)
出处
《经济与管理研究》
CSSCI
北大核心
2016年第10期31-41,共11页
Research on Economics and Management
基金
东北财经大学产业经济学特色重点学科资助项目“公共安全规制理论与政策”(2014015)
关键词
金融创新
银行绩效
民生银行
financial innovation
bank performance
Minsheng Bank
