城市商业银行经营绩效的地区间比较研究——基于DEA与Logit模型的分析

Comparative Study on the Operating Performance of City Commercial Banks: Analysis based on DEA and Logit Mode

面对更加复杂的金融市场环境,城商行在整体表现较好的情况下,自身群体的差异化特征正逐渐显现,为了更加清晰地分析我国城商行的区域差异,借助DEA模型与Logit回归方法,对2014年38家城商行的总体经营效率进行测评,并以效率测评的结果作为因变量,考察区域经济增速等因素对城商行效率的影响。结论认为:中西部地区城商行的经营绩效正逐步超过东部地区城商行,区域经济增速、区域金融活跃程度、城商行所在区域位置对城商行经营效率有相关影响。

In the face of more complex financial market environment, the differentiated feature of city commercial banks＇ own population is gradually revealed on the condition of better overall performance.In order to regional differences of China＇s city commercial banks analysis more clearly, with the help of DEA model and Logit regression method were used to evaluate the overall operating efficiency, first 38 city commercial banks in 2014 then, the efficiency evaluation of the results as the dependent variable,examines the impact of regional economic growth and other factors on the efficiency of the city firm conclusion that city commercial banks in the Midwest business performance is gradually over the eastern region city commercial banks, regional economic growth, regional financial activity, city commercial area have influence on the position the operating efficiency of city commercial banks.