【摘要】：我國政策性銀行包括國家開發(fā)銀行、中國農(nóng)業(yè)發(fā)展銀行和中國進(jìn)出口銀行。三家銀行是在伴隨著我國不斷深入進(jìn)行的經(jīng)濟體制改革的的過程中相繼成立的，并在推動我國經(jīng)濟發(fā)展、建設(shè)社會主義市場經(jīng)濟過程中做出了杰出貢獻(xiàn)，我國政策性銀行的建立，是我國金融體制改革創(chuàng)新階段性的成功。 效率研究是企業(yè)管理的核心問題之一，對于政策性銀行亦是如此。在銀行領(lǐng)域，效率的研究主要集中在商業(yè)銀行領(lǐng)域，對于政策性銀行效率的研究較為少見，但是，政策性銀行在一個國家的金融領(lǐng)域中的地位越來越重要，政策性銀行的經(jīng)營理念也日益更新，如何提高政策性銀行的經(jīng)營效率，將引起人們越來越多的關(guān)注，同時，這也關(guān)系著政策性銀行將來的發(fā)展，關(guān)系著金融環(huán)境的穩(wěn)定和國家經(jīng)濟的發(fā)展。 本文總結(jié)了三家政策性銀行經(jīng)營的現(xiàn)狀，并分析了三家銀行所面臨的主要問題，選取適當(dāng)?shù)耐度氘a(chǎn)出指標(biāo)，運用DEA方法從靜態(tài)角度測度了三家銀行的技術(shù)效率、純技術(shù)效率和規(guī)模效率；然后從動態(tài)角度對三家銀行的Malmquist指數(shù)進(jìn)行了測度研究，得出了三家銀行在近些年的效率變化趨勢情況，同時結(jié)合相關(guān)計算結(jié)果分析了投入冗余率和產(chǎn)出不足率。在此基礎(chǔ)上，通過對比分析三家政策性銀行間的經(jīng)營效率情況，發(fā)現(xiàn)我國政策性銀行盡管在近些年通過采取一定的改革措施，取得了一定的成果，，但是仍存在經(jīng)營效率低，管理不善的情況。針對存在的這些問題，本文提出了相應(yīng)的對策建議，以提升政策性銀行的經(jīng)營效率。
[Abstract]:China's policy banks include the China Development Bank, the Agricultural Development Bank of China and the Import and Export Bank of China. The three banks were established one after another in the course of the deepening economic system reform in our country, and they have made outstanding contributions in the process of promoting the economic development of our country and building a socialist market economy. The establishment of policy banks in China is the success of the reform and innovation of our financial system. Efficiency research is one of the core problems of enterprise management, and so is the policy bank. In the field of banking, the study of efficiency is mainly focused on the field of commercial banks, but the research on efficiency of policy banks is relatively rare. However, the status of policy banks in the financial field of a country is becoming more and more important. The management concept of policy banks is also being updated day by day. How to improve the management efficiency of policy banks will attract more and more attention. At the same time, it is also related to the future development of policy banks. Related to the stability of the financial environment and national economic development. This paper summarizes the current situation of the three policy banks, analyzes the main problems they face, selects appropriate input-output indicators, and measures the technical efficiency of the three banks from the static point of view by using the DEA method. Pure technical efficiency and scale efficiency; Then the Malmquist index of the three banks is measured from the dynamic point of view, and the trend of efficiency changes in the three banks in recent years is obtained. At the same time, the input redundancy rate and the output insufficiency rate are analyzed based on the related calculation results. On this basis, through the comparative analysis of the operating efficiency among the three policy banks, it is found that although the policy banks of our country have achieved certain results in recent years by adopting certain reform measures, they still have low operating efficiency. A situation of mismanagement. In view of these problems, this paper puts forward the corresponding countermeasures and suggestions to improve the operational efficiency of policy banks.
【學(xué)位授予單位】：哈爾濱理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.31

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