基于DEA模型的我国商业银行效率测度研究

Research on the Measurement of China’s Commercial Banks’ Efficiency based on DEA Model

商业银行是中国现行金融体系的重要组成部分,对我国地区经济发展具有重要作用,如何对商业银行的运营效率进行客观评价,已经成为商业银行调整资源配置和自身发展战略的重要问题。本文借鉴生产法、中介法思想构建银行效率测度指标体系,采用数据包络分析法对我国11家商业银行的效率进行实证研究。以期为进一步提升我国商业银行的运营效率提供智力支持。

Commercial banks are an important part of China's current financial system,it plays a non-negligible role in China's regional economic development.How to objectively evaluate the operational efficiency of commercial banks has become an important issue for banks in adjusting resource allocation and their own development strategies.This article builds the index system framework for measuring the efficiency of banks by drawing on ideas such as production law and intermediary law and using data envelopment analysis (DEA)to empirically analyze the efficiency of 11 commercial banks in China.According to the empirical results,the corresponding countermeasures are proposed in order to further improve the operational efficiency of China's commercial banks.