Based on the non-Archimedian infinite model C^2R of the Data Envelopment Analysis, combined with characteristics of Chinese mainland banks＇ inputs and outputs, the paper sets up an index system of inputs and outputs ...Based on the non-Archimedian infinite model C^2R of the Data Envelopment Analysis, combined with characteristics of Chinese mainland banks＇ inputs and outputs, the paper sets up an index system of inputs and outputs as well as an overall technical efficiency evaluation model for Chinese banks, which considers not only the profit ability, but also the control capacity of banks risk. The overall technical efficiency values of Chinese banks are given respectively based on the samples of state owned banks and 14 integrated samples both state owned banks and shareholding banks. The input redundancy of labor, net value fixed assets, operating expenses, owner＇s equity, branch number and output deficiency of operating income, total increase in deposits, total increase in loans, ROE, decrease in bad debts ratio, are also calculated. The pertinence policy suggestions of efficiency improvement of banks are put forward. The results show that the efficiencies of new shareholding banks are far higher than non-shareholding bank and the all four state owned banks are commonly lower in overall technical efficiency. The overall technical efficiency of Agriculture Bank of China is the lowest one in all banks, and Bank of Communications is the efficiency lowest in all shareholding banks. The contributions and characteristics of the paper are： 1） the bad debit ratio is used to reflect the quality of the outputs, which is an improvement to the current literature of neglecting the difference in loans quality. 2） The inefficiency reasons of banks are list out by quantity analysis, and the pertinent macro strategies and concrete measures on improving banks efficiency are given, which is another improvement to current research that tend to give the efficiency value, but not ignore giving improving strategy from quantities analysis. 3） Banks overall technical efficiency values under several portfolios of inputs and outputs are given respectively, which not only overcomes the restraints that the sample size is at least the 2 times of the number of inputs and outputs indexes, but also measures banks overall technical efficiency from several directions. 4） It makes the efficiency values estimation more comparable by extracting four state owned banks for another efficiency evaluation. Combining both state owned banks and shareholding banks as a whole group of efficiency evaluation shows the real overall technical efficiency distance between two different kinds of bank and provide realistic basis for the bank reform of China.展开更多
基金This project is supported by the National Social Science Foundation of China （04BJY082）
文摘Based on the non-Archimedian infinite model C^2R of the Data Envelopment Analysis, combined with characteristics of Chinese mainland banks＇ inputs and outputs, the paper sets up an index system of inputs and outputs as well as an overall technical efficiency evaluation model for Chinese banks, which considers not only the profit ability, but also the control capacity of banks risk. The overall technical efficiency values of Chinese banks are given respectively based on the samples of state owned banks and 14 integrated samples both state owned banks and shareholding banks. The input redundancy of labor, net value fixed assets, operating expenses, owner＇s equity, branch number and output deficiency of operating income, total increase in deposits, total increase in loans, ROE, decrease in bad debts ratio, are also calculated. The pertinence policy suggestions of efficiency improvement of banks are put forward. The results show that the efficiencies of new shareholding banks are far higher than non-shareholding bank and the all four state owned banks are commonly lower in overall technical efficiency. The overall technical efficiency of Agriculture Bank of China is the lowest one in all banks, and Bank of Communications is the efficiency lowest in all shareholding banks. The contributions and characteristics of the paper are： 1） the bad debit ratio is used to reflect the quality of the outputs, which is an improvement to the current literature of neglecting the difference in loans quality. 2） The inefficiency reasons of banks are list out by quantity analysis, and the pertinent macro strategies and concrete measures on improving banks efficiency are given, which is another improvement to current research that tend to give the efficiency value, but not ignore giving improving strategy from quantities analysis. 3） Banks overall technical efficiency values under several portfolios of inputs and outputs are given respectively, which not only overcomes the restraints that the sample size is at least the 2 times of the number of inputs and outputs indexes, but also measures banks overall technical efficiency from several directions. 4） It makes the efficiency values estimation more comparable by extracting four state owned banks for another efficiency evaluation. Combining both state owned banks and shareholding banks as a whole group of efficiency evaluation shows the real overall technical efficiency distance between two different kinds of bank and provide realistic basis for the bank reform of China.
