基于dea模型的我国上市银行效率及影响因素实证分析产业经济学专业论文.docxVIP

Ab Abstract I II THE RESEARCH ON CHINESE LISTED BANKS’ EFFICIENCY AND INFLUENCE FACTORS ABSTRACT The development of banking industry is related to a country’s financial stability and security, whose efficiency would have direct impact on the allocation of social resources and the utilization level of financial resources. The listed banks are regarded as one of the most important component of commercial banks, which play a decisive role on Chinese economy. L the listed banks assets, liabilities, equity and other indicators of the overall total proportion of Chinas commercial banks are basically maintained at 84% to 90%, they can basically reflect the operation of the overall situation of Chinas commercial banks. In the face of severe domestic and international economic situation, how to improve Chinese commercial banks, especially the listed banks’ operating efficiency and enhance their overall competitiveness of Chinese banking industry is an urgent problem. In this paper, we analyzed and compared with the technical efficiency, pure technical efficiency, scale efficiency and returns to scale ranges of the 16 Chinese listed banks from 2004 to 2010 by data envelopment analysis (DEA) approach. The results showed that Chinese listed banks in the study period were mostly non-effective in the DEA, DEA efficient banks in the proportion of all listed banks were most less than 50%, indicating that the majority of listed banks in China are not optimal allocation of resources. After the shareholding system reform of Chinese state-owned banks, the operation efficiency greatly improved and continued to narrow the gap with the efficiency of joint-stock banks. Then, we made an on-the-spot investigation on the changes in technology, efficiency and Malmquist index dynamically by Malmquist index. The results showed that the mean Malmquist index of Chinese listed banks in the study period are greater than 1, indicating the overall efficiency of Chinese listed banks continue to show im