城市商业银行效率研究金融专业论文.docxVIP

摘要 摘 要 加入 WTO 后，外资银行大量涌入，新型银行不断诞生，市场竞争日益加剧。 面对这样的市场环境，城市商业银行必须寻找一条可持续发展之路，增强其竞争 力，而银行效率是银行竞争力的集中体现，也是到目前为止最具综合性的业绩评 价指标。银行效率是一个相对值，它可以从宏观和微观两个方面进行评价。从宏 观层面看，银行效率就是银行对国民经济增长的贡献率；从微观层面看，银行效 率是指各商业银行所完成的金融资源配置达到最优。从本质上讲，它是银行对其 资源的有效配置，是基于银行资源配置情况和各项资源利用的有效程度获得的衡 量，它可以从整体来衡量，也可从某一功能单元或某一局部来衡量，是银行市场 竞争能力、投入产出能力和可持续发展能力的总称；银行效率广义上说，其实就 是成本效率（又称 X 效率或经济效率）。本文主要从微观层面研究银行的 X 效率。 根据资料来源的可得性，本文选择了具有代表性的 19 家样本银行进行了效 率研究，其中国有独资银行 4 家，新兴股份制银行 9 家，城市商业银行 6 家，运 用数据包络分析方法（DEA）方法先计算每家银行的效率值，再分类计算各类银 行的效率值。通过将计算出的效率值进行比较分析，找出城市商业银行的效率状 况和特点。既然不同种类的银行之间效率具有较大差异，那么，就必然分析它们 之间存在差异的原因，即影响银行效率的因素到底有哪些。本文第四章从定性和 定量、宏观和微观多层面多角度对城市商业银行效率的影响因素进行了分析，通 过对影响因素的分析，最后对城市商业银行效率的提高提出改进建议。 关键词：城市商业银行，银行效率，数据包络分析方法，影响因素，对策建议 ABSTRACT ABSTRACT After China’s entry in WTO, large numbers of foreign capital banks swarm into China, new types of banks emerge continuously, and market competition become fierce increasingly. Confronted with such a market, city commercial bank must seek for a new way for sustainable development and enhance its competitiveness. As we know, bank efficiency is a centralized embodiment of bank competitiveness, and also the most comprehensive achievement evaluation index as far. Bank efficiency is a relative value, which can be evaluated from macroscopic or microscopic aspect. From the macroscopic aspect, bank efficiency is the bank’s contribution ratio to the growth of national economy; and from the microscopic aspect, bank efficiency refers to optimization of financial resource allocation finished by every commercial bank. In terms of the nature, bank efficiency is an effective allocation of the bank’s resource, and is a weighting obtained on the basis of bank resource allocation and effective utilization degree of every resource. Bank efficiency can be measured from either the whole or a certain function or part, it is a general term of bank’s market competitiveness, input-output capability and sustainable development capability; bank efficiency is generally known as cost efficien