去杠杆化对我国商业银行全要素生产率的影响研究  

RESEARCH ON THE IMPACT OF DELEVERAGING ON TOTAL FACTOR PRODUCTIVITY OF COMMERCIAL BANKS IN CHINA

作　　者：孙学敏[1] 王晓燊 SUN Xuemin;WANG Xiaoshen(Besiness School,Zhengzhou University,Zhengzhou 45001,China)

机构地区：[1]郑州大学商学院,河南郑州450001

出　　处：《河南工业大学学报（社会科学版）》2020年第2期7-12,共6页Journal of Henan University of Technology:Social Science Edition

摘　　要：利用我国16家上市商业银行数据分析了杠杆率对商业银行全要素生产率的影响。结果表明:杠杆率对商业银行全要素生产率具有同向作用。在当前供给侧结构性改革背景下,去杠杆政策的实施将会降低我国商业银行全要素生产率,进而导致银行业经营效率下降。因此,在去杠杆政策实施过程中,我国商业银行应及时调整必要的投入产出比例,以提高银行业经营效率。此外,商业银行应当紧密把握宏观政策与市场环境的变化,加快自身战略转型,在更大程度上提高商业银行的经营效率。The data of 16 listed commercial banks in China are used to analyze the impact of deleveraging on the total factor productivity of commercial banks in China.The results show that the leverage ratio has the same-direction effect on the total factor productivity of commercial banks.In the context of the supply-side structural reform nowadays,the implementation of deleveraging policies will reduce the total factor productivity of commercial banks,which in turn will lead to a decline in the operating efficiency of the banking industry.Therefore,during the implementation of the deleveraging policy,commercial banks in China should timely adjust the input-output ratio so as to improve the operating efficiency.In addition,commercial banks should keep up with changes in macroeconomic policies and market environments,accelerate the strategic transformation,and improve the efficiency to a greater extent.

关 键 词：去杠杆化 商业银行 全要素生产率 

分 类 号：F832.33[经济管理—金融学]