地方政府融资平台类贷款对我国商业银行效率的影响  

Effect of Local Government Financing Platform Loan on Commercial Bank Efficiency in China

作　　者：徐九成 徐敏[1] 

机构地区：[1]河海大学商学院,南京211100

出　　处：《世界科技研究与发展》2016年第2期449-454,共6页World Sci-Tech R&D

基　　金：江苏省社会科学基金(11GLC011);中国制造业发展研究院2014年度开放课题(SK20140090-17)资助

摘　　要：为了明确近年来不断扩张的地方政府融资平台对商业银行效率的影响,在现有国内外商业银行效率研究的基础上,借助DEA模型测度我国境内13家商业银行2007-2014年的效率,并以此为被解释变量,构建一个包含地方政府融资平台类贷款规模以及商业银行部分内部因素作为解释变量的多元线性回归模型。实证结果表明,大规模的地方政府融资平台类贷款会造成商业银行的效率低下,政府融资平台类贷款会使商业银行失去拓展中间业务的动力,不利于银行效率的提升和金融市场的发展。最后,从银行和政府两个角度提出改革与综合治理的建议。In order to define the impact of the fast growing local government financing platform loan on the efficiency of commercial banks,based on the existing research on commercial bank efficiency at home and abroad,the efficiency of 13 commercial banks in China in 2007 - 2014 are measured by using DEA model. Based on them as explained variables,a multiple linear regression model including the scale of the local government financing platform loans as well as part of commercial banks internal factors as explanatory variables is established. The result shows that the scale local government financing platform loans can cause the low efficiency of commercial banks. The financing platform loans make commercial banks loss the incentive to develop intermediary business,which is not conducive to increase market competitiveness and deepen financial innovation. Finally,some reform proposals are suggested from bank and government perspectives.

关 键 词：地方政府融资平台类贷款 商业银行 效率 DEA 多元线性回归 

分 类 号：F832.4[经济管理—金融学]