摘要
随着利率市场化、宏观经济放缓等一系列金融改革和经济新常态的出现,中国银行业尤其是城市商业银行将进入机遇与挑战并存的转型关键时期。城市商业银行能否在未来竞争中生存与发展,取决于城市商业银行能否实现具有竞争力的经营效率。以27家城市商业银行2009—2013年公布数据为依据,利用三阶段DEA模型对城市商业银行效率进行测评。测评结果显示,27家城市商业银行总体经营效率差异明显,东中西部和东北地区城市商业银行效率地域特征明显,区域内经济因素、社会因素和政策因素对城市商业银行效率具有明显影响。
With a series of financial and economic reform and the appearance of economic new normal,such as interest rate liberalization and macro-economic slowdown,China 's banking sector,especially urban commercial banks have stepped into the critical period of transformation with opportunities and challenges. Whether urban commercial banks can survive and develop in the future competition depends on whether to achieve competitive operation efficiency. A measurement and assessment is made by drawing on the published data of 27 urban commercial banks from 2009 to 2013 and by using the three-stage DEA model. The results show that the general operation efficiency of 27 urban commercial banks are obviously different,and that the geographical characteristics for the efficiency of urban commercial banks in the east,west,central and northeast China are obvious with regional economic factors,social factors and policy factors having obvious effects on urban commercial bank efficiency.
出处
《征信》
2016年第3期14-19,共6页
Credit Reference
基金
黑龙江省博士后基金项目(LBH-Z15216)
关键词
城市商业银行
效率测评
差异比较
DEA模型
urban commercial bank
efficiency evaluation
difference comparision
DEA model