互联网金融背景下中国上市商业银行效率研究——基于DEA-Malmquist指数法

Research on the Efficiency of China’s Listed Commercial Banks under the Background of Internet Finance--Based on DEA-Malmquist index method

互联网金融时代的到来,给传统商业银行造成了一定的冲击。效率是银行核心竞争力的集中体现,运用以DEA方法为基础的Malmquist指数测算方法,对中国16家上市商业银行2013-2017年的全要素生产率变化指数及其三个组成部分进行测算分析,绝大多数传统商业银行不能有效抵御互联网金融冲击的负面影响,商业银行应推进转型升级,促进规模驱动转向技术创新驱动。

The advent of the Internet finance era has caused a certain impact on traditional commercial banks. Efficiency is the concentrated expression of the bank’s core competitiveness. The Malmquist index measurement method based on the DEA method is used to calculate and analyze the total factor productivity index and its three components of 16 listed commercial banks in China from 2013 to 2017. Most traditional commercial banks cannot effectively withstand the negative impact of Internet financial shocks. Commercial banks should promote transformation and upgrading,and promote scale-driven to technological innovation-driven.