基层银行效率实证分析——以邢台为例  

An Empirical Analysis on the Efficiency of Grass-roots Banks

作　　者：李双杰[1] 巩婧菲[1] 

机构地区：[1]北京工业大学经管学院,北京100124

出　　处：《四川师范大学学报（社会科学版）》2014年第6期41-50,共10页Journal of Sichuan Normal University(Social Sciences Edition)

摘　　要：基层银行提供的金融服务与当地居民的生产、生活息息相关,然而针对基层银行效率的实证研究较为匮乏。本文从基层银行效率入手进行实证分析,搜集了邢台2009-2012年33家基层银行(包括13家商业银行支行以及20家农村信用社)的数据,使用数据包络方法分析基层银行效率的变动以及影响效率变动的因素。分析研究结果表明:商业银行效率整体表现高于农信社效率,居民人均纯收入、就业率、营业成本和银行人均存款对基层银行的效率有显著影响。这对我国基层银行(包括村镇银行)在目标制定、绩效考核上具有一定的借鉴作用。The financial service provided by grass-roots banks is closely related to the life of local residents, but the empirical research on efficiency of grass roots banks is very scarce. By collecting the data of 33 grass roots banks in Xingtai （including 13 commercial branch banks and 20 rural credit coop- eratives） from 2009 to 2012, this paper makes an empirical analysis based on the efficiency of grass roots banks, analyzing changes in them and the factors causing those changes with data envelopment analysis （DEA）. Analysis results show that the efficiency of commercial banks is significantly higher than that of rural credit cooperatives while per capita net income, employment rate, operating costs and per capita bank deposits have a significant influence on the efficiency of grass-roots bank. This has certain reference function in goal setting and performance evaluation for our country grass-roots banks （ including the towns and villages bank）.

关 键 词：基层银行 基层银行效率 影响因素 

分 类 号：F832.2[经济管理—金融学]