我国不同类型商业银行的效率差异研究

作为众多行业类型之一,银行也是以追求利润最大化为目的。因此,如何有效提升运营效率,通过较少的成本投入来获取最大效益,也将是银行管理者必须考虑的问题。本文运用DEA方法从多种投入多种产出的角度对我国三种不同类型银行的运营效率进行分析,针对国有大型商业银行、股份制商业银行、城市商业银行三大类型银行之间运营效率差异的产生原因进行探讨。在此基础上,本文认为我国银行业整体在未来的发展中应构建合理的市场结构体系,国有、股份制、城市商业银行应分别从加强内部管理、实施战略转型、进行明确定位等方面改进,进而提升我国银行业的整体运营效率,增强我国银行业的竞争力。

The Research on Efficiency Difference in Different Types of Commercial Banks in China

As one of the varieties of industries,the banks aim at maximizing profit.Therefore,the bank managers have to consider how to enhance the efficiency of banks to obtain the maximum return by using smallest cost.This paper analyzes the operational efficiency of three different types of banks with DEA method from the perspective of multiple inputs and multiple outputs,and discusses the reasons for efficiency difference among the large state-owned commercial banks,joint-stock commercial banks and city commercial banks.On this basis,the paper argues that China’s banking industry should overall build a reasonable market structure system in the future development,the state-owned,joint-stock and the city commercial banks can reach improvements by strengthening internal management,implementing strategic transition and clearly positioning,so that Chinese banking industry’s operational efficiency and competitiveness will be greatly enhanced.