CAJ | 학술논문

效率是银行业竞争力的集中体现,对效率进行客观、公正地评价成为银行的根本问题之一。而传统的效率评价方法只是将银行作为一个＂黑箱＂,忽略其内部运作过程及过程间的关联关系,难以对银行效率进行全面系统的评价。针对这个问题,本文借鉴国内外的研究成果,结合银行经营的实际过程,将银行经营过程分为资金组织和资金经营两个前后相继的阶段,应用两阶段关联DEA模型评价了我国15家商业银行2003年到2007年的总系统和两个子阶段的技术效率、纯技术效率和规模效率。分析发现：国有商业银行的技术效率普遍低于股份制商业银行,这种无效主要是由资金经营阶段的经营无效引起的,部分原因在于两个子阶段衔接的无效引起的,且所有样本银行技术效率的无效主要是由规模效率无效引起的。最后,结合我国银行业的实际情况,提出了具体的政策建议。
효솔시은행업경쟁력적집중체현,대효솔진행객관、공정지평개성위은행적근본문제지일。이전통적효솔평개방법지시장은행작위일개＂흑상＂,홀략기내부운작과정급과정간적관련관계,난이대은행효솔진행전면계통적평개。침대저개문제,본문차감국내외적연구성과,결합은행경영적실제과정,장은행경영과정분위자금조직화자금경영량개전후상계적계단,응용량계단관련DEA모형평개료아국15가상업은행2003년도2007년적총계통화량개자계단적기술효솔、순기술효솔화규모효솔。분석발현：국유상업은행적기술효솔보편저우고빈제상업은행,저충무효주요시유자금경영계단적경영무효인기적,부분원인재우량개자계단함접적무효인기적,차소유양본은행기술효솔적무효주요시유규모효솔무효인기적。최후,결합아국은행업적실제정황,제출료구체적정책건의。
Efficiency is the centralized externalization of the banking sector competitiveness.However,the conventional evaluation methods just treat banks as a ＇black box＇,neglecting their inner operation process,which cannot comprehensively and systematically evaluate bank＇ s efficiency.Therefore,based on the exist study at home and abroad,this paper divides the management procedure of banks into two relational sub - processes including capital organizing and capital management,and then evaluates the technical efficiency,pure technical efficiency,scale efficiency of the whole process and two sub-processes of 15 commercial banks from 2003 to 2007,applying the relational two - stage DEA model.The research finds that the technical efficiency of state-owned banks is lower than joint - stock banks,and that the inefficiency is caused by the stage of capital management, and partly caused by the connection inefficiency of the two sub-processes.Technical inefficiency of all the banks is caused by scale inefficiency.Finally,some policy suggestions are proposed to improve the efficiency for China＇s commercial banks.