互联网金融背景下中国上市银行的效率测度研究

Research on the Efficiency Measurement of Chinese Listed Banks under the Background of Internet Finance

互联网的发展深刻影响着人们的生活。随着互联网金融的日趋强大,银行业面临新的挑战。银行业作为我国金融业的一部分,该如何选择未来道路?面对互联网金融,商业银行如何提高经营效率?针对这些问题,通过分析2015—2019年30家上市银行的年度财务报表,结合DEA模型对上述30家上市银行的效率进行了测算并对数据进行了比较分析。研究表明,我国传统银行业在互联网的冲击下发展困难,其效率性受到了不同程度的影响。基于以上分析,提出我国银行业发展的相应对策和建议。

The development of“Internet”has profoundly affected people’s lives.With the increasing strength of the internet finance,the banking industry will face new challenges.As a part of China’s financial industry,how should the banking industry choose its future path?Faced with internet finance,How can commercial banks improve their operating efficiency?By analyzing the annual financial statements of the 30 listed banks from 2015 to 2019,combined with the DEA model to measure the efficiency of the above 30 listed banks and make a comparative analysis of the data,the research shows that China’s banking industry has struggled to develop under the impact of the internet.Its efficiency is affected by different levels.Based on the above analysis,this thesis puts forward corresponding countermeasures and suggestions for the development of China’s banking industry.