国内商业银行个人金融业务X效率比较——基于DEA理论

Comparison of the X-efficiency of Domestic Commercial Banks' Personal Financial Services: Based on the DEA

以国内10家商业银行作为样本,以银行总资产、人力资本为投入项,个人贷款利息收入、手续费收入为产出项,参照2009—2011年10家样本银行的经营数据,采用前沿的非参数分析方法——数据包络分析(DEA)对样本银行个人金融业务X效率进行比较分析。结果显示:在参考期间内国内商业银行个人金融业务规模效率、配置效率与纯技术效率接近生产可能性边界,但仍存在着X低效率与技术低效率的问题,且国有商业银行与股份制商业银行的发展水平存在一定差距。

Taking the ten domestic commercial banks as sample, the bank total assets and human capital as input, personal loan interest income and commission charge income as output, with reference to the managing date of these banks from 2009 to 2011, this paper makes the comparison analysis on personal financial business X rate of sample banks by using the data envelopment analysis. The result shows that： during the reference, the scale efficiency and the allocation efficiency and the pure technical efficiency of personal financial business in domestic commercial banks are close to the production-possibility frontier, however still existing low efficiency problem of X and technical and a certain gap in development level between state-own commercial banks and joint-stock commercial banks.