可持续原则下商业银行普惠金融业务的经营效率研究  

Operational Efficiency of Commercial Banks'Financial Inclusion Business under the Principle of Sustainability

作　　者：王千红[1] 赵雅杰 Wang Qianhong;Zhao Yajie(Glorious Sun School of Business and Management,Donghua University,Shanghai,200051)

机构地区：[1]东华大学旭日工商管理学院,上海200051

出　　处：《上海经济》2024年第2期71-91,共21页Shanghai Economy

摘　　要：数字化变革推进了我国商业银行普惠金融业务的发展,通过现实观察可以发现我国商业银行近年来积极承担并不断拓宽普惠金融业务服务面,从而也引发了福利主义和制度主义关于普惠金融业务是否应该追求达成可持续之争议。为此,本文基于可持续原则,以全国25家商业银行2017—2022年普惠金融业务经营效率作为研究对象,采用三阶段DEA静态模型和DEA-Malmquist动态模型进行测度,以考察其可持续性下的经营效率特征。主要结论:从普惠金融业务三阶段可持续性经营效率值来看,国有商业银行高于股份制银行,股份制银行高于城市商业银行;从动态可持续性经营效率变化来看,受技术进步的深刻影响,银行应继续强化科技支持,同时在产品服务创新、风险管理、成本控制等方面采取措施。In recent years,China's commercial banks have actively undertaken and continuously expanded inclusive financial services,which has also triggered a debate between welfarism and institutionalism about whether inclusive financial services should be pursued sustainability.Based on the principle of sustainability,this paper takes the operational efficiency of inclusive financial services of 25 commercial banks in China from 2017 to 2022 as the research object,and uses the three-stage DEA static model and DEA-Malmquist dynamic model to measure it.The main conclusions are as follows:From the perspective of the three-stage operation efficiency of inclusive financial business,state-owned commercial banks are higher than joint-stock banks and higher than urban commercial banks;From the perspective of dynamic operational efficiency changes,under the profound impact of technological progress,banks should continue to strengthen scientific and technological support,while taking measures in product service innovation,risk management,cost control and other aspects.

关 键 词：商业银行 普惠金融业务 可持续 DEA-Malmquist分析 

分 类 号：F062.9[经济管理—政治经济学]