摘要
运用数据包络法,实证分析了为中小企业融资的13家商业银行借贷效率。研究发现,国有、城市,以及股份制商业银行的综合效率依次递减,相比较而言,国有商业银行综合效率至少高出30%。各商业银行的服务效率、盈利效率,以及综合效率对2008年金融危机具有不同的时滞,分别为两年、1年和两年。金融危机后,各商业银行的综合效率呈下降趋势,盈利效率有略微上升的迹象。认为政府应加强对股份制和城市商业银行的扶持力度,以助其提高借贷效率。
Based on Data Envelopment Analysis( DEA),the efficiency of 13 commercial banks on small and medium enterprises( SME) financing was comparatively studied.It was found that the overall efficiency of state-owned banks is higher than that of joint-stock banks,city commercial banks by at least 30%.For commercial banks,as a response to the 2008 financial crisis,their service efficiency,profitability efficiency and overall efficiency suffer from time lags of 2,1,and 2 years respectively.In the postcrisis period,their overall efficiency shows a downward trend yet their profitability efficiency exhibits a slight upward trend.Therefore,it is suggested that government should lend stronger support to joint-stock banks and city commercial banks in order to improve their lending efficiency.
出处
《武汉理工大学学报（信息与管理工程版）》
CAS
2013年第6期925-928,946,共5页
Journal of Wuhan University of Technology：Information & Management Engineering
基金
中央高校基本科研业务专项资金资助项目(CZQ12017)
