技术创新、效率改善与商业银行全要素生产率差异化增长  

Technological Innovation, Efficiency Improvement and Differential Growth of Total Factor Productivity of Commercial Banks

作　　者：周志刚[1] 严圣阳[1] Zhou Zhigang;Yan Shengyang(School of Economics,Wuhan Business University,Wuhan 430056,China)

机构地区：[1]武汉商学院经济学院,湖北武汉430056

出　　处：《科技管理研究》2022年第11期201-208,共8页Science and Technology Management Research

基　　金：湖北省教育厅人文社会科学研究项目“新常态下技术创新对商业银行绩效影响研究——以湖北省区域商业银行为例”(18G056)。

摘　　要：采用非参数Malmquist DEA前沿分析方法对中国41家不同类型的商业银行2000—2018年间的全要素生产率进行实证研究。研究结果表明,中国不同类型商业银行全要素增长率不仅存在明显的差异性,而且导致这种差异化增长的决定因素也各不相同:技术创新对全国性股份制商业银行全要素生产率的快速增长贡献率最高;区域性商业银行则更多地受益于自身的效率改善;国有控股商业银行在技术创新和效率改善上都低于平均水平,因此增长率相对较低。研究结论对我国商业银行在新常态下增加技术投入、加强技术创新并改善经营效率,借助创新驱动实现可持续的中高速发展提供参考借鉴。Uses the non-parametric Malmquist DEA frontier analysis method to conduct an empirical study on the total factor productivity(TFP) of 41 commercial banks of different types in China from 2000 to 2018. The research results show that: there are not only obvious differences in the TFP growth rate of different types of commercial banks in China, but also different determinants of such differentiated growth: technological innovation has the highest contribution rate to the rapid growth of TFP of national joint-stock commercial banks;regional commercial banks benefit more from their own efficiency improvements;state-controlled commercial banks are below average in terms of technological innovation and efficiency improvement, so the growth rate is relatively low. This conclusion has reference significance for China’s commercial banks to increase technological investment, strengthen technological innovation and improve operational efficiency under the new normal, so as to achieve sustainable medium and high speed development with the help of innovation.

关 键 词：技术创新 商业银行 全要素生产率 效率改善 创新驱动 

分 类 号：F832.3[经济管理—金融学]