银行经营对利润增长效率的影响——以山东省滨州市为例

The Influence of Bank Operation on Profit Growth Efficiency——A Case Study of Binzhou City,Shandong Province

近年来,受宏观经济下行影响,银行业务经营和利润增长放缓。运用DEA分析法,选取滨州市6个县(市、区)2015年-2019年相关数据进行研究表明:平均资产回报率、成本收入比、资本充足率、不良贷款率对银行利润增长效率均能产生影响,其中平均资产回报率影响更为显著。为改善银行的经营和利润增长,银行应强化风险管理、挖掘利润新的增长点、推动业务结构调整。

In recent years,due to the impact of the macroeconomic downturn,the growth of banking business and profits has slowed down.Therefore.Using DEA analysis method,relevant data of six counties(cities and districts)of Binzhou city from 2015 to 2019 are selected for research.The results show that:average return on assets,cost-income ratio,capital adequacy ratio and non-performing loan ratio all have influences on the profit growth efficiency of Banks,among which average return on assets has more significant influence.In order to improve the operation and profit growth of Banks,Banks should strengthen risk management,excavate new profit growth points and promote business structure adjustment.