CAJ | 학술논문

文章在考虑规模报酬变动的情况下运用数据包络分析法（DEA）对我国29个地区金融业效率水平进行了测算，得出我国金融业效率水平整体低下，只有极少数地区达到有效生产前沿面，大多数地区的技术效率甚至低于0.5。在此基础上，运用计量经济模型对金融业效率的影响因子进行分析，结果显示：金融技术创新对其效率的影响尤为显著，同时市场化程度的提升也有利于提高金融效率，而金融集聚对金融效率的影响目前呈负相关。
문장재고필규모보수변동적정황하운용수거포락분석법（DEA）대아국29개지구금융업효솔수평진행료측산，득출아국금융업효솔수평정체저하，지유겁소수지구체도유효생산전연면，대다수지구적기술효솔심지저우0.5。재차기출상，운용계량경제모형대금융업효솔적영향인자진행분석，결과현시：금융기술창신대기효솔적영향우위현저，동시시장화정도적제승야유리우제고금융효솔，이금융집취대금융효솔적영향목전정부상관。
This paper,considering the changes in returns to scale,applies DEA model to measure the efficiency of financial industry of 29 regions in China. The paper finds that the overall efficiency of China’s financial industry is lower,with only very few regions reaching up to the efficient production frontier. The technical efficiency of most regions is even lower than 0.5. On this basis, the paper employs the econometric model to analyze the impact factors of the efficiency of financial industry. The result shows that the impact of financial technological innovation on its efficiency is particularly significant. Moreover , the enhancement of marketization level is conducive to the improvement of financial efficiency,whereas financial efficiency is currently negatively correlated with financial agglomeration.