银行竞争对银行效率的影响——基于银行金融创新视角

The Impact of Bank Competition on Bank Efficiency——Based on the Perspective of Bank Financial Innovation

本文以在A股上市的16家商业银行为样本,利用HHI指数衡量银行竞争,用DEA模型计算银行效率,研究了银行竞争对银行效率的影响,以及银行金融创新在其中发挥的中介作用。实证结果显示,银行竞争能显著促进银行效率,其中竞争对五大行效率的影响要大于其它银行。而且,不管是五大行还是其它银行,银行金融创新都在其中起到了中介作用。

This paper studies the impact of bank competition on bank efficiency and the intermediary role of banking financial innovation. The sample comes from 16 listed banks, then uses the HHI index to measure bank competition and the DEA model to calculate bank efficiency.The empirical results show that bank competition can significantly promote bank efficiency, and competition has greater impact on the efficiency of the five major banks than other banks. Moreover, whether it is the five major banks or other banks, banking financial innovation has played a mediating role.