中外银行经营效率测算及多阶段比较

The Calculation and Multi-stage Comparison of the Operating Efficiency of Chinese and Foreign Banks

本文将银行的经营过程分解为两个阶段,视存款为银行的中间产出,采用网络DEA方法对国际大型商业银行的经营效率进行测算和比较。这一测算方法考虑存款在银行业务流程中的双重角色,避免"生产法"或"中介法"对存款处理方式不同造成结果不可比较的问题。结果显示,在第一阶段中国大型银行运用资本获得存款的能力低于国外大型银行,第二阶段考察银行的盈利能力及资产状况,中国大型银行盈利能力明显上升,盈利能力和资产水平高于国外银行。

In this paper, the process of bank operating is divided into two stages, and the deposits are regarded as the of intermediate outputs of banks, the network DEA method is used to measure and compare the operating efficiency of large international commercial banks. By the method, the dual roles of deposits in banking business process are considered, so as to avoid the problem that the different approaches of'production method'and'intermediary method'to deposits lead to non-comparable results. The study of the paper show that, in the first stage, the ability of China's large banks to use capitals to obtain deposits is less than that of foreign large banks; in the second stage while the profitability and assets of banks are considered, the profitability of China's large banks increases significantly, and the profitability and asset levels are higher than those of foreign banks.