互联网金融崛起下中国上市商业银行效率研究——基于三阶段DEA法

Study on Listed Commercial Banks' Efficiency in China under the Background of the Rising Internet Finance——Based on Three-stage DEA Method

利用三阶段DEA法,对中国上市商业银行2013—2017年在互联网金融崛起背景下的效率进行研究,结果表明:外部环境因素对商业银行效率的影响差异较大,剔除外部环境因素影响的三阶段DEA法测算结果比经典DEA法更能客观反映商业银行的效率水平;整体而言,上市商业银行在面对互联网金融的冲击时,仍不能有效抵御负面影响;股份制商业银行的经营表现高于国有商业银行;目前达到效率相对有效的商业银行数量较少,大部分商业银行效率水平存在提升空间。基于研究结论,提出了应对互联网金融冲击的建议,如重视客户金融需求、加强与互联网金融企业的合作、重点挖掘和培养复合型金融人才、提升科技创新能力等。

A study is made on the efficiency of China′s listed commercial banks during five years(2013-2017)under the background of the rising internet finance based on three-stage DEA method.The results shows that there is a great difference for influence of external environmental factors on the efficiency of listed commercial banks.The measurement results that come from the three-stage DEA method which eliminated the external influence can more objectively reflect the level of efficiency of listed commercial banks than the classical DEA method;as a whole,China′s listed commercial banks are still unable to effectively withstand the negative impact of internet finance;the operating performance of joint-stock commercial banks is higher than that of state-owned commercial banks;at present,the number of listed commercial banks with relatively effective efficiency is rather small,and the most commercial banks have some improvement space in efficiency.Hence,we gave the countermeasures for impact of internet finance:stress financial demand of customers,strengthen cooperation with internet finance enterprises,and focus on developing and cultivating composite financial talents,raise science and technology innovation capability,etc.