广州大学学报:社会科学版
廣州大學學報:社會科學版
엄주대학학보:사회과학판
Journal of Guangzhou University(Social Science Edition)
2015年
5期
36~41
,共null页
农村商业银行 银行效率 DEA方法 面板数据模型
農村商業銀行 銀行效率 DEA方法 麵闆數據模型
농촌상업은행 은행효솔 DEA방법 면판수거모형
the rural commercial banks; bank efficiency; data envelopment analysis; panel data models
采用DEA方法对我国12家农商行2009~2013年的技术效率、纯技术效率和规模效率进行了测度,结果表明县域级农商行的技术效率和规模效率普遍要高于省级农商行。在此基础上利用面板数据模型对影响我国农商行效率的若干因素进行了回归分析,结果表明资产规模、资本充足率、存贷比和前十大股东占股比对农商行效率有显著影响。
採用DEA方法對我國12傢農商行2009~2013年的技術效率、純技術效率和規模效率進行瞭測度,結果錶明縣域級農商行的技術效率和規模效率普遍要高于省級農商行。在此基礎上利用麵闆數據模型對影響我國農商行效率的若榦因素進行瞭迴歸分析,結果錶明資產規模、資本充足率、存貸比和前十大股東佔股比對農商行效率有顯著影響。
채용DEA방법대아국12가농상행2009~2013년적기술효솔、순기술효솔화규모효솔진행료측도,결과표명현역급농상행적기술효솔화규모효솔보편요고우성급농상행。재차기출상이용면판수거모형대영향아국농상행효솔적약간인소진행료회귀분석,결과표명자산규모、자본충족솔、존대비화전십대고동점고비대농상행효솔유현저영향。
Using data envelopment analysis ( DEA), this paper measures the technical efficiency, pure technical efficiency and scale efficiency of 12 rural commercial banks from 2009 to 2013. The results show that technical efficiency and scale efficiency of the rural commercial banks at the county level are generally higher than the rural commercial banks at the provincial level. Based on the findings, this paper develops regression on the influencing factors of rural commercial banks by using the panel data model. It concludes that the asset size, capital adequacy ratio, loan and deposit ratio and equity ratio of the top ten shareholders represent a significant impact on the effi- ciency of the rural commercial banks.