基于服务营销的我国商业银行效率的实证研究-国际贸易专业论文.docxVIP

基于服务营销的我国商业银行效_牢的实证研究Abstract 基于服务营销的我国商业银行效_牢的实证研究 Abstract Since 1990，our state。owned banks have transferred from the plan-oriented economy to market—oriented economy,and some newly founded commercial banks have emerged，as result，the whole competitive environment of banking industry has been improved．Meanwhile，after entering WTO，our commercial banks have to face more and more intense competition．therefore，how to boost the bank’s competitive edge and bank efficiency is worth researching． The paper systematically analyses the status of the efficiency of commercial hanks in China on the basis of the Data Envelopment Analysis(DEA)method，and lays stress on the comparison of the efficiency and the factors that affect the efficiency among state—owned commercial banks，other newly founded commercial banks and foreign banks． We take 9 commercial banks at home and 2 forcign banks as the researching samples in order to find the difference between their performance。And by comparison，it is mote convenient to propose the suggestion to improve our commercial banks’efficiency． The paper computers technical efficiency，pure technical efficiency and scale effidency of the 11 commercial banks in the three aspects above mentioned from 2001 to 2003．And it has been found that the scale efficiency js the main reason explaining the current situation of low competitive edge of our commercial banks． The factor model is put forward to test how the financial products of banks affect the scale efficiency．On the basis of the research result，we consider that improve the quality of the bank’s product and serving is a workable way to promote the banks’ scale efficiency． Keywords：Serving Marketing；Bank Efficiency；F1F fFrontier Production Function)；DEA(Data Evaluation Analysis) JEL classification： F83 4 基于服务营销的我国商业银行效率的实证研究第一章引言 基于服务营销的我国商业银行效率的实证研究 第一章引言 1．1研究我国商业银行效率的意义 近20多年以来，无论是理论研究还是实证研究都表明金融业的发展和高效 率对经济快速发展具有促进作用，放松对金融机构的管制逐渐成为一种国际化趋 势。改革开放以来，我国加快了金融体制改革，尤其是银行业的改革。90年代 的国有银行从计划经济向市场经济过度的