互联网金融时代中国上市银行增效模式研究——基于全组合DEA-PCA模型的分析

The Study of Chinese Listed Bank's Efficiency Growth Mode in Internet Finance Era——Based on Full-combination DEA-PCA Model

文章运用全组合DEA-PCA模型对中国16家上市银行的经营绩效增长模式进行实证研究。通过分析发现:各上市银行在是否引入网络方面,其绩效评价结果存在显著差异;中国上市银行的增效模式大致可分为"网络业务导向型"和"传统业务导向型"两大类。部分上市银行致力于互联网金融创新提高其经营绩效;而另一些上市银行仍主要依靠传统业务维持经营绩效。在此基础上,文章将中国上市银行划分为"偏重网络业务型银行""偏重传统业务型银行""重视网络业务发展但传统业务负担过重型银行"和"网络业务与传统业务并重型银行"四个组群,研究分析不同组群的上市银行的经营模式特点和优劣势,并针对不同银行组群的特点提出相应的增效建议。

This paper uses empirical research to discuss the growth mode of business performance within 16 listed commercial banks in China by full-combination DEA-PCA model. We find that there are significant differences on the performance evaluation of each listed bank due to whether they consider internet factor or not. Furthermore, we apply PCA model to classify the growth mode of business performance into ＂Internet Business Oriented＂ which enhance performance by interact finance innovation and ＂Traditional Business Oriented＂ which maintain performance by traditional banking business. According to the performance of each listed banks, we classify these banks further into four groups： ＂Emphasis on internet business＂, ＂Emphasis on traditional business＂, ＂Emphasis on internet business with overburdened traditional business＂ and ＂Balance between internet business and traditional business＂. Each group of banks has its own strength and weakness. At last, according to the characteristics of the different bank group we put forward the corresponding efficiency strategy recommendations.