我国商业银行经营效率测度——基于DEA的实证分析

On the Business Efficiency Measurement of Commercial Banks in China with the Empirical Study Based on DEA

以银行效率的一般理论为基础，分别从静态DEA与动态MALMQUIST指数的角度对我国16家商业银行在2007~2011年的运营效率进行研究。研究结果表明，我国商业银行的平均技术效率总体呈上升趋势，但整体技术效率并不高，且规模效率偏低；我国商业银行的整体生产力水平不断上升，国有控股商业银行的平均效率改进情况要优于非国有控股商业银行，二者的效率改进均主要来自技术效率的改进，技术进步有待提升。

On the basis of general principles fer bank efficiency, the study is focused on the business efficiency from 2007 to 2011 in 16 commercial banks of China from the angle of static DEA and dynamic MALMQUIST index. It is indica- ted in the research that the average technology efficiency of commercial banks generally shows a trend of increase, but the entire technology efficiency is not high and the scale efficiency prefers to lower; the entirety of productive force level trends gradually upward, and the improvement of average efficiency in all the state-holding commercial banks is better than that of those non state-holding ones, and both of the efficiency improvement mainly owes to the that of technology efficiency and the upgrading of technological progress.