京津冀地区城市商业银行运行效率测度的研究

Research on the Measurement of Operational Efficiency of City Commercial Banks in Beijing- Tianjin- Hebei Region

根据2010-2014年京津冀地区城市商业银行数据样本,利用DEA以及Malmquist生产率指数分析城市商业银行的运行效率以及全要素生产率变动。分析结果表明,虽然京津冀地区城市商业银行的运行效率呈上升趋势,但规模效率和纯技术效率都是制约银行运行效率提高的主要因素。而从Malmquist生产率指数分析中发现,虽然其技术效率变化相对上升,但不足以弥补技术变化的衰退,使得全要素生产率变动下降。应合理控制规模、提高风险管理能力,在互联网金融领域进行创新,以提高京津冀地区城市商业银行运行效率,加快经济一体化。

Based on the data samples of city commercial banks in Beijing- Tianjin- Hebei region from 2010 to2014,this paper used DEA and Malmquist productivity indices to analyze the operational efficiency and total factor productivity of city commercial banks. The results show that the operational efficiency of city commercial banks in Beijing,Tianjin and Hebei is on the rise,but the scale efficiency and pure technical efficiency are the main factors which restrict the operational efficiency of bank. From the Malmquist productivity index analysis,although the change of technical efficiency is relatively rising,it is not enough to make up for the decline of technological change,and it also bring down the total factor productivity. By rationally controlling the scale,improving risk management capabilities,and innovating in the field of Internet finance,we can improve the commercial banks operating efficiency in Beijing- Tianjin- Hebei region,and speed up economic integration.