商业银行普惠金融效率研究——基于15家商业银行调查数据的分析  

The Efficiency of Inclusive Finance in Commercial Banks——An Analysis Based on the Data of 15 Commercial Banks

作　　者：杨鹭 艾洪德[1] YANG Lu;AI Hong-de

机构地区：[1]东北财经大学金融学院,沈阳110000

出　　处：《金融论坛》2020年第8期9-17,共9页Finance Forum

摘　　要：本文运用DEA模型对15家商业银行的普惠金融技术效率指数和Malmquist生产率变化指数进行测度,研究结果表明:近年来商业银行普惠金融效率整体水平不断提高,国有商业银行效率普遍高于股份制商业银行,个别银行的规模效率出现递减情况。引导普惠金融贷款的发展时应避免粗放式扩张,盲目追求规模,要重视风险管理,控制普惠金融贷款不良率。This paper measures the technical efficiency index and the Malmquist productivity change of inclusive finance in 15 commercial banks with DEA model. The results show that: the overall efficiency of inclusive finance in commercial banks keeps increasing in recent years, and the efficiency of state-owned banks is generally higher than that of the jointstock banks;the scale efficiency of some banks decreases progressively. The development of inclusive finance loans should avoid the extensive expansion and scale orientation, and should emphasize the risk management and control the non-performing loan ratio.

关 键 词：商业银行 普惠金融 普惠金融技术效率指数 Malmquist生产率变化指数 DEA 

分 类 号：G21[文化科学—新闻学]