CAJ | 학술논문

关于银行业的效率研究,主要探讨如何通过较少的成本投入获得最大的收益,促进银行业的健康持续发展。运用DEA方法从多种投入、多种产出的角度对银行的运营效率进行分析,针对银行出现无效率的现象,对国有大型商业银行、股份制商业银行、城市商业银行三大主体共30家研究对象进行了剖析。在此基础上,认为我国银行业在未来的发展中应构建合理的市场结构体系,国有、股份制、城市商业银行应分别从加强内部管理、推进技术创新、合理控制发展速度方面改进,进而提升我国银行业的整体运营效率,增强我国银行业的竞争力。
관우은행업적효솔연구,주요탐토여하통과교소적성본투입획득최대적수익,촉진은행업적건강지속발전。운용DEA방법종다충투입、다충산출적각도대은행적운영효솔진행분석,침대은행출현무효솔적현상,대국유대형상업은행、고빈제상업은행、성시상업은행삼대주체공30가연구대상진행료부석。재차기출상,인위아국은행업재미래적발전중응구건합리적시장결구체계,국유、고빈제、성시상업은행응분별종가강내부관리、추진기술창신、합리공제발전속도방면개진,진이제승아국은행업적정체운영효솔,증강아국은행업적경쟁력。
For the research on the efficiency of banks,it mainly focuses on how to maximize return with the lowest cost and guarantee the healthy and sustainable development of banking.This paper analyzes the operational efficiency of banks with DEA method from the perspective of multiple input and output.For the inefficiency of the bank industry,30 target banks from large state-owned commercial banks,joint-stock commercial banks and city commercial banks are analyzed.On this basis,the paper argues that China＇s banking industry should build a reasonable market structure system in the future.The state-owned,joint-stock and the city commercial banks can reach improvements by strengthening internal management,promoting technological innovation,and controlling the reasonable speed of development respectively.Thus Chinese banking industry＇s operational efficiency and competitiveness would be greatly enhanced.