摘要
银行业要以自身的高质量发展,促进实体经济的高质量发展。本文选取2011-2020年上市银行相关数据,利用DEA-Malmquist模型测算我国银行业的高质量发展水平并分析其驱动因素。实证结果表明:市场竞争、资本充足率监管和技术创新对银行业的高质量发展有显著正向作用。未来采取提高公司治理水平、谋求适度竞争市场结构和发展以风控技术为重点的金融科技等措施,可以促进银行业的高质量发展。
The high-quality development of the banking industry can better serve the high-quality development of the real economy. This paper selects the relevant data of listed banks from 2011 to 2020, uses the DEA-Malmquist model to measure the high quality development level of banks and analyzes its driving factors. The empirical results show that market structure, regulatory constraints and technological innovation have a significant positive effect on the high-quality development of the banking industry, while the positive driving effect of property right structure and corporate governance is not obvious, the diversified property right nature and the improvement of employee quality have a positive impact on the high-quality development of the banking industry. Improving property rights system, improving management level, developing financial technology and innovating risk-management technology can promote high-quality development of banking industry.
出处
《价格理论与实践》
北大核心
2021年第11期138-141,共4页
Price:Theory & Practice
关键词
高质量发展
全要素生产率
风控技术
high-quality development
total factor productivity
risk-management technology