基于DEA模型的我国上市商业银行经营效率研究

Research on the Operating Efficiency of China’s Listed Commercial Banks Based on DEA Model

商业银行在我国经济发展中起着举足轻重的作用,保证我国上市商业银行有较高的经营效率是经济平稳发展、提高经济发展水平的重要条件。基于31家上市商业银行2015~2022年数据,采用DEA-Malmquist模型分析我国上市商业银行经营效率情况,研究结果发现,2015~2022年我国商业银行经营效率总体上呈现上升状态,商业银行经营效率与纯技术效率之间有很强的正相关关系,说明我国上市商业银行经营效率的提高主要是因为技术水平的提升;城市、农村商业银行的经营效率平均值高于国有商业银行和股份制银行。

Commercial banks play a pivotal role in China’s economic development, and ensuring that China’s listed commercial banks have high operating efficiency is an important condition for the steady development of the economy and the improvement of the level of economic development. Based on the data of 31 listed commercial banks from 2015 to 2022, the DEA-Malmquist model is used to analyze the operating efficiency of China’s listed commercial banks. The results show that from 2015 to 2022, the operating efficiency of China’s commercial banks has generally shown an upward trend, and there is a strong positive correlation between the operating efficiency of commercial banks and the pure technical efficiency, indicating that the improvement of the operating efficiency of China’s listed commercial banks is mainly due to the improvement of technical level. The average operating efficiency of urban and rural commercial banks is higher than that of state-owned commercial banks and joint-stock banks.