摘要
作为社会资金融通媒介,商业银行效率提升不仅能深化金融体制改革,还能助力经济高质量发展。通过DEA-Malmquist模型研究2012—2022年我国114家商业银行效率,结论如下:从静态视角看,银行效率下降走低,需优化规模效率;从动态视角看,技术进步是银行全要素生产率增长的关键;国有控股大型商业银行、城市商业银行和农村商业银行的纯技术效率高于规模效率,股份制商业银行则相反。最后,从优化规模效率、推动技术进步和实施差异化经营角度提出建议。
As a social financing medium,improving the efficiency of commercial banks will not only deepen the reform of the financial system,but also contribute to high-quality economic development.The DEA-Malmquist model is used to study the efficiency of 114 commercial banks in China from 2012 to 2022,and the conclusions are as follows:from the static point of view,the efficiency of banks decreases and the scale efficiency needs optimizing;from a dynamic perspective,technological progress is the key to the growth of bank total factor productivity;the pure technical efficiency of state-owned large commercial banks,urban commercial banks and rural commercial banks is higher than the scale efficiency,while the joint-stock commercial banks are the opposite.Finally,suggestions are put forward from the perspectives of optimizing scale efficiency,promoting technological progress and implementing differentiated management.
作者
陆洲
韩昌林
LU Zhou;HAN Changlin(School of Economics and Management,Anhui Open University,Hefei 230022,China;School of Information and Architectural Engineering,Anhui Open University,Hefei 230022,China)
出处
《安徽开放大学学报》
2024年第2期24-28,91,共6页
Journal of Anhui Open University
基金
安徽省教学改革研究重点项目“高等学历继续教育融合式教学背景下课程网络资源评价指标体系的构建与实践”(项目编号:2022jxjy015)
安徽省高校哲学社会科学研究重点项目“数字赋能时代区域继续教育共同体高质量发展的评价体系与推进路径研究”(项目编号:2022AH052674)
安徽省高校哲学社会科学研究重点项目“从有界到跨界:数字赋能时代下高校组织变革与创新研究——基于安徽继续教育网络园区实践”(项目编号:2023AH051139)
安徽开放大学老年教育研究课题“基于学分银行的老年教育学习成果认证标准体系构建研究”(项目编号:LNJY2022YB03)。
