摘要
在深入推进供给侧结构性改革的宏观背景下,商业银行作为全社会资金融通的媒介,其经营效率关系着资金供给和资源配置的有效性。基于DEA-Malmquist指数模型对2012至2016年17家上市商业银行的全要素生产率进行研究,发现商业银行整体全要素生产率呈现先升后降的局面,其中股份制银行和城市商业银行由于技术进步、效率提高,全要素生产率明显高于五大国有银行。因此,全体商业银行应当推进自身改革转型,提高核心竞争力;而五大国有银行需要推动自身技术进步,股份制银行和城市商业银行则需要提高自身技术效率。
Under the macro background of deepening the structural reform of the supply side, commercial banks, as the medium of the whole society’s financial communication, their operational efficiency is related to the effectiveness of capital supply and resource allocation. Based on the DEA-Malmquist index model, this paper studies the total factor productivity of 17 listed commercial banks from 2012 to 2016. The study finds that the overall factor productivity of commercial banks has risen and then declined, including joint-stock banks and city commercial banks. The improvement in efficiency has led to a higher total factor productivity than the top five state-owned banks. Therefore, all commercial banks should promote their own reform and transformation, and improve their core competitiveness;while the five state-owned banks need to promote their technological progress, joint-stock banks and city commercial banks need to improve their technical efficiency.
作者
方福荣
邢伟健
FANG Fu-rong;XING Wei-jian(School of Economics and Management,East China Jiaotong University,Nanchang 330013,China)
出处
《长春金融高等专科学校学报》
2019年第6期33-40,共8页
Journal of Changchun Finance College
基金
江西省2018年度研究生创新专项资金项目（YC2018-S258）
