CAJ | 학술논문

本文使用广义三阶段DEA和Tobit模型，分析了2007—2013年68家商业银行资金使用效率、盈利能力效率和业务扩张效率。研究发现，股份制银行的资金使用效率最高，外资银行最低。不同银行对不同渠道的资金使用效率也不同，内部资金的使用效率较高。金融深化程度、市场结构及银行规模有利于银行提高资金使用效率，经济发展与银行稳定性具有负效应。各家银行仍有不同程度的投入冗余或产出不足，仍可提高资金使用效率。
본문사용엄의삼계단DEA화Tobit모형，분석료2007—2013년68가상업은행자금사용효솔、영리능력효솔화업무확장효솔。연구발현，고빈제은행적자금사용효솔최고，외자은행최저。불동은행대불동거도적자금사용효솔야불동，내부자금적사용효솔교고。금융심화정도、시장결구급은행규모유리우은행제고자금사용효솔，경제발전여은행은정성구유부효응。각가은행잉유불동정도적투입용여혹산출불족，잉가제고자금사용효솔。
The capital efficiency of commercial bank from 2007 - 2013 were analyzed, including profitability ef- ficiency and business expansion efficiency. The efficiency of different capitals was also got. The results showed the Stock - holding Bank has the highest capital efficiency in all banks, while foreign Banks were the low- est. Internal capital efficiency was the highest one, which was bigger than debt capital efficiency and equity cap- ital efficiency. Comprehensively, Financial Development, Market Structure and the Scale of Bank were beneficial factors for the capital efficiency. There were different problems of redundancy input or inadequate out- put. Commercial banks should think about the improvement of management.