沈阳工业大学学报（社会科学版）
瀋暘工業大學學報（社會科學版）
침양공업대학학보（사회과학판）
JOURNAL OF SHENYANG UNIVERSITY OF TECHNOLOGY(SOCIAL SCIENCE EDITION)
2014年
5期
440-448
,共9页
许祥秦%郗楠%刘艳芳
許祥秦%郗楠%劉豔芳
허상진%치남%류염방
ML指数%银行业%贷款%贷款效率%贷款规模%不良贷款%技术进步指数%规模效率指数
ML指數%銀行業%貸款%貸款效率%貸款規模%不良貸款%技術進步指數%規模效率指數
ML지수%은행업%대관%대관효솔%대관규모%불량대관%기술진보지수%규모효솔지수
ML index%banking industry%loan%loan efficiency%loan scale%bad loan%technological progress index%scale efficiency index
阐述ML( Malmquist-Luenberger)指数构成及其分解方法，使用2007-2012年银行业相关数据计算考虑不良贷款的前提下投入产出导向的银行业贷款ML指数及其分解，结果表明在6年考察期间我国银行业贷款效率平均有0．002的降低，其原因是技术进步指数及规模效率指数降低。这说明银行贷款技术在大范围地普及，而贷款技术创新及贷款规模有待进一步发展，在市场发展中应密切关注经济萎缩的可能，并据此提出提高银行业贷款效率的建议。
闡述ML( Malmquist-Luenberger)指數構成及其分解方法，使用2007-2012年銀行業相關數據計算攷慮不良貸款的前提下投入產齣導嚮的銀行業貸款ML指數及其分解，結果錶明在6年攷察期間我國銀行業貸款效率平均有0．002的降低，其原因是技術進步指數及規模效率指數降低。這說明銀行貸款技術在大範圍地普及，而貸款技術創新及貸款規模有待進一步髮展，在市場髮展中應密切關註經濟萎縮的可能，併據此提齣提高銀行業貸款效率的建議。
천술ML( Malmquist-Luenberger)지수구성급기분해방법，사용2007-2012년은행업상관수거계산고필불량대관적전제하투입산출도향적은행업대관ML지수급기분해，결과표명재6년고찰기간아국은행업대관효솔평균유0．002적강저，기원인시기술진보지수급규모효솔지수강저。저설명은행대관기술재대범위지보급，이대관기술창신급대관규모유대진일보발전，재시장발전중응밀절관주경제위축적가능，병거차제출제고은행업대관효솔적건의。
The composition and factoring method of ML ( Malmquist-Luenberger) index is demonstrated. The ML index and its factors are calculated for the input-output oriented banking loan on the premise of bad loans by using relative data of banking industry from 2007 to 2012 . The results show that the loan efficiency of Chinese banking industry has an average reduction of 0. 002 during the six years studied, and the explanation is the reduction of technological progress index and scale efficiency index. It indicates that loan technology is popularized in a wide range, while loan technology innovation and loan scale need further development. Close attention should be paid to the possibility of economic contraction in the development of market . Suggestions are also brought forward for the improvement of the loan efficiency of banking industry according to the study.
