浙江省银行业全要素生产率研究——与美、德、韩的比较

本文以全国主要商业银行在浙江分支机构的总和为基本单位,同时选取美国、德国、韩国银行业作为比较单元,运用数据包络分析(DEA)中的Malmquist指数模型,实证了2000年至2008年期间浙江银行业全要素生产率的变化情况。结果显示,与其他三个经济体的银行业比较,浙江银行业效率较低;样本期内浙江银行业规模效率有较快的改进,但技术进步效率则有所恶化;进一步的实证表明,在样本期的前半段,浙江银行业的效率尚不及其他三个国家的银行业在上世纪90年代相应年份的水平,后期差距有所缩小。

this paper considers the sum of the major national commercial bank branches in Zhejiang as the basic unit,selects the banking of the United States,Germany,South Korea as a comparison unit,uses Malmquist index model of data envelopment analysis(DEA) to analyze the total factor productivity changes of Zhejiang banking during 2000-2008.The results show that Zhejiang banking industry is less efficient in comparison with the other three economies,the scale efficiency of Zhejiang banking improved rapidly during the sample period,but the technological efficiency is deteriorated.Further evidence shows that,during in the first half of the sample period,Zhejiang banking efficiency is not as good as banking industry’s of the other three countries in the 90’s of last century;in the latter part,the gap has narrowed.