摘要
商业银行效率是从投入和产出角度对银行综合经营能力的测度,对银行效率造成影响的因素是多方面的。利用2008—2014年国内35家商业银行的经营数据构建面板样本,分别测出国有、股份制和城商行的交叉评价效率,并通过分析各类因素对交叉效率的影响,得出以下结论:盈利能力对国有银行效率的影响最为显著,影响股份制商业银行效率的主要因素是盈利能力、人力资源配置能力和风险管理能力,影响城市商业银行效率的主要因素为人力资源配置能力、盈利能力和贷款能力。因此,国有银行应优化资产结构,加强内部管理,主动实施差异化战略;股份制商业银行应进一步扩大市场份额,完善激励机制,不断增强风险管理能力;城市商业银行应依靠自身相对优势获取竞争地位。
Commercial bank efficiency,which is affected by many factors,is a comprehensive measurement of bank＇s operation ability from the aspects of input and output.That paper constructs a panel sample data of 35 domestic commercial banks between 2008-2014,and evaluates the cross efficiency of various banks.By introducing five indicators respectively on behalf of profitability,loan capacity,human resource disposition ability,risk management capacity and innovation ability,that paper explains the contribution influence value of each factor to the cross efficiency,and recommends that State-owned Banks to optimize the asset structure,strengthen internal management,active differentiation strategy; Joint-equity Commercial Banks should further expand market share,improve the incentive mechanism and constantly enhance risk management capabilities;City Commercial Banks rely on their own comparative advantage to gain a competitive position.
出处
《经济与管理》
CSSCI
2016年第4期29-35,共7页
Economy and Management
