摘要
随着互联网的发展,电子银行业务正逐步成为商业银行不可或缺的组成部分,为了研究这一部分对商业银行经营绩效的影响,采用随机前沿分析法(SFA)对我国商业银行2010至2014年的成本效率进行分析。发现商业银行的平均成本效率逐年递增,并且股份制商业银行成本效率高于国有商业银行成本效率,无外资持股银行成本效率高于有外资持股银行成本效率。对于其他影响银行成本效率的因素,商业银行核心资本充足率和电子银行业务替代率与商业银行效率呈正相关关系,不良贷款率和国内生产总值的对数与商业银行效率呈负相关关系。
With the development of Internet,electronic banking is gradually becoming the indispensable part of commercial bank. Employing the stochastic frontier approach,the paper investigates cost efficiency in China’s commercial banks over the period 2010- 2014 to explore the influence of commercial banking. The results show that the jointstock banks are found to be more efficient than the state-owned commercial banks,and the non-foreign shareholding banks are also found to be more efficient than the foreign shareholding banks. It appears that on average,the cost efficiency increases every year. It shows that the core capital adequacy rate and electronic banking replacement rate help to improve the efficiency,however the non-performing loan rate and the logarithm of gross domestic product don’t.
出处
《中南财经政法大学研究生学报》
2016年第4期29-37,共9页
Journal of the Postgraduate of Zhongnan University of Economics and Law
基金
2015年中南财经政法大学研究生教育创新计划项目:我国上市银行资本结构对前沿效率的影响(项目编号:2015S0505)。本文系部分研究成果
关键词
随机前沿分析
电子银行业务替代率
成本效率
Stochastic Frontier Approach
Electronic Banking Replacement Rate
Cost Efficiency