CAJ | 학술논문

在银监会加强对银行监管的背景下,选取中国30家商业银行2008-2012年的财务数据进行DEA分析,并据此建立银行经营效率影响因素的Tobit模型,研究结果表明：五大国有上市银行纯技术效率最高,但综合效率低于非国有上市银行;非上市银行综合效率最差,但呈现规模报酬递增状态;不良贷款率、资本充足率（监管指标）与银行效率负相关,银行上市、金融发展有利于银行效率的改善.
재은감회가강대은행감관적배경하,선취중국30가상업은행2008-2012년적재무수거진행DEA분석,병거차건립은행경영효솔영향인소적Tobit모형,연구결과표명：오대국유상시은행순기술효솔최고,단종합효솔저우비국유상시은행;비상시은행종합효솔최차,단정현규모보수체증상태;불량대관솔、자본충족솔（감관지표）여은행효솔부상관,은행상시、금융발전유리우은행효솔적개선.
In the background that the China Banking Regulatory Commission strengthens banking supervision, this paper selects 30 commercial banks＇ financial data from 2008 to 2012 in China and uses DEA to analysis them, and sets up Tobit model to explore factors affecting banking operating efficiency. The results show that the pure technical efficiency of five listed state - owned banks is highest, but the overall efficiency is lower than non - state - owned listed banks; the comprehen- sive efficiency of unlisted banks is the worst, while they present condition of increasing return to scale; non - performing loan ratio, capital adequacy ratio （regulatory index） are negatively related to the efficiency of banks; listed status of banks, financial development are beneficial for improving banks＇ efficiency.