CAJ | 학술논문

文章基于我国15家各类性质银行在1996-2010年经营效率数据基础上，利用数据包络分析法(DEA)，对我国银行1996-2010年经营效率进行总体评价与分析，报告了我国银行业务经营效率水平。通过应用Malmquist生产率指数对银行业务经营效率变动得进行了调查和测量，结果反映了银行上市后银行业效率提高幅度明显，尤其是国有银行进步最快，但我国商业银行普遍存在规模报酬递减的状况，需要进一步提高规模报酬。从动态上看，我国银行业1996-2003年全要素生产率总体上出现小幅的下降，但2004年以后，随着国有银行逐步上市，我国银行业全要素生产率得到了稳步的提升。笔者认为我国银行需不断拓展表外业务、提高日常管理水平、吸收更多高学历人才和增加新兴技术的自主创新。
문장기우아국15가각류성질은행재1996-2010년경영효솔수거기출상，이용수거포락분석법(DEA)，대아국은행1996-2010년경영효솔진행총체평개여분석，보고료아국은행업무경영효솔수평。통과응용Malmquist생산솔지수대은행업무경영효솔변동득진행료조사화측량，결과반영료은행상시후은행업효솔제고폭도명현，우기시국유은행진보최쾌，단아국상업은행보편존재규모보수체감적상황，수요진일보제고규모보수。종동태상간，아국은행업1996-2003년전요소생산솔총체상출현소폭적하강，단2004년이후，수착국유은행축보상시，아국은행업전요소생산솔득도료은보적제승。필자인위아국은행수불단탁전표외업무、제고일상관리수평、흡수경다고학력인재화증가신흥기술적자주창신。
Based on the data of operating efficiency of 15 different banks of China in 1996-2010, the paper makes an overall analysis and evaluation on the operation efficiency of China's banking industry by using Data Envelopment Analysis (DEA) and reports the level of their operation efficiency. The paper also conducts a survey and measurement to calculate the efficiency change by using Malmquist productivity index. The results show that the efficiency of the banking industry is significantly improved after the bank is listed. State-owned banks improve the fastest, but the returns to scale of China's commercial banks decrease gradually and they need to be further improved. 1996-2003 total factor productivity of China's banking industry on the whole a slight decline, but after 2004, along with the state-owned banks gradually listed, the total factor productivity of China's banking industry has been steadily upgrading. The author believes that the banks in China need to continue to expand the balance sheet business, improve the daily management level, absorbe more highly educated people and increase innovation in emerging technologies.