CAJ | 학술논문

本文基于网络DEA模型对我国14家主要商业银行2000—2010年的技术效率和纯技术效率进行测度的基础上，利用面板回归方法从投入产出视角探究投入变量、产出变量和中间变量对我国商业银行效率的影响机理。结果发现产出变量贷款总额和其他盈利性资产总额对银行效率有正的影响，投入变量资产投入、员工人数以及中间变量存款储蓄与银行效率呈负相关关系；从个体效应和时间效应的分析中发现国有银行现存的弊端以及国家政策和金融危机对银行效率的影响，这些为制定有效促进银行业健康发展的政策建议具有积极的指导意义。
본문기우망락DEA모형대아국14가주요상업은행2000—2010년적기술효솔화순기술효솔진행측도적기출상，이용면판회귀방법종투입산출시각탐구투입변량、산출변량화중간변량대아국상업은행효솔적영향궤리。결과발현산출변량대관총액화기타영리성자산총액대은행효솔유정적영향，투입변량자산투입、원공인수이급중간변량존관저축여은행효솔정부상관관계；종개체효응화시간효응적분석중발현국유은행현존적폐단이급국가정책화금융위궤대은행효솔적영향，저사위제정유효촉진은행업건강발전적정책건의구유적겁적지도의의。
On the basis of studying technology efficiency and pure technology efficiency of 14 main commercial banks in China during the period 2000 -2010 with network DEA model, this paper analyzes the effect mechanism of Chinese commercial banks＇ efficiency from the point of input, output and intermediate variables through panel data model. From empirical results, we can see that the output variables total of loans and the total of other earning assets have positive effects on banks＇ efficiency, while the input variables total of fixed assets, number of employees and the intermediate variable total of deposits have negative effects on banks＇ efficiency. From the analysis of individual effects and time effects,we can find the existing problems of state - owned bank and the influence of the national policy and financial crisis on efficiency, and these will be of positive significance to policy - making suggestions for effectively promoting the banks＇ healthy development.