中国商业银行成本效率及其影响因素分析——基于3类商业银行的比较  

An empirical analysis of the factors affecting the cost efficiency of commercial banks in China:Based on the comparison of three kinds of commercial banks

作　　者：刘卓[1,2] LIU Zhuo(School of Economics and Trade, Hunan University, Changsha 410082, China;Yuelushan Branch, Industrial and Commercial Bank of China Limited, Changsha 410000, China)

机构地区：[1]湖南大学经济与贸易学院,长沙410082 [2]中国工商银行岳麓山支行,长沙410000

出　　处：《湖南农业大学学报（社会科学版）》2017年第2期94-99,共6页Journal of Hunan Agricultural University(Social Sciences)

摘　　要：采用数据包络分析法(DEA)对2005—2014年中国国有控股大型商业银行、全国性股份制商业银行和城市商业银行三类商业银行的成本效率进行估算,结果表明商业银行业的成本效率整体呈上升趋势,国有控股大型商业银行成本效率虽有提升,但仍普遍低于全国性股份制商业银行。进一步对商业银行成本效率的影响因素实证表明:财政支出、银行资产规模、银行资产费用率有显著正向影响,行业集中度、银行不良贷款率、银行市场份额和银行的存贷比有显著负向影响。This paper adopts data envelopment analysis(DEA)method from frontier analysis method to measure the costefficiency of commercial banks within the period from2005to2014.The result indicates that the overall efficiency inChina bank industry shows a fluctuated ascending trend;the cost efficiency of state-owned commercial banks is generallylower than that of joint-stock commercial banks,but notably the situation of the former has improved by a large extentafter their shareholding reform.Further analysis of the influence factors of China's commercial banks cost efficiencyfound that fiscal expenditure,bank assets,the bank's assets rate have significant positive effect on efficiency ofcommercial bank management,industry concentration,the bank's non-performing loan ratio,market share and bank loanratio of commercial banks operating efficiency have significant negative influence.

关 键 词：商业银行 成本效率 影响因素 DEA法 

分 类 号：F224.0[经济管理—国民经济]