【摘要】：基于國(guó)內(nèi)62家城市商業(yè)銀行2009-2016年相關(guān)數(shù)據(jù),使用三階段數(shù)據(jù)包絡(luò)分析模型對(duì)城商行的改革發(fā)展績(jī)效進(jìn)行實(shí)證分析發(fā)現(xiàn):2010-2012年間,城商行全要素生產(chǎn)率的提升主要來(lái)自于規(guī)模效率的增加,而純技術(shù)效率及技術(shù)進(jìn)步變化并不明顯;2013-2016年間,在技術(shù)進(jìn)步?jīng)]有改善的情況下,隨著規(guī)模效率的遞減,城商行的全要素生產(chǎn)率呈現(xiàn)持續(xù)下降態(tài)勢(shì)。因此,從一定程度上來(lái)講,近幾年城商行的快速增長(zhǎng)主要得益于宏觀經(jīng)濟(jì)及監(jiān)管政策紅利驅(qū)動(dòng)的規(guī)模擴(kuò)張,這與監(jiān)管層面的政策目標(biāo)是不一致的。城商行必須擺脫對(duì)規(guī)模擴(kuò)張路徑的依賴,充分認(rèn)識(shí)創(chuàng)新轉(zhuǎn)型對(duì)其發(fā)展的推動(dòng)作用。一方面,加快以知識(shí)信息數(shù)據(jù)等新生產(chǎn)要素為支撐、以新技術(shù)新業(yè)態(tài)新模式為核心的金融創(chuàng)新,通過(guò)創(chuàng)新改造傳統(tǒng)業(yè)務(wù)、培育新的利潤(rùn)增長(zhǎng)點(diǎn)以及實(shí)現(xiàn)跨界合作,釋放發(fā)展新動(dòng)能;另一方面,持續(xù)不斷地變革轉(zhuǎn)型,通過(guò)強(qiáng)化戰(zhàn)略思維轉(zhuǎn)型、組織機(jī)制轉(zhuǎn)型,強(qiáng)化信息科技支撐,提高價(jià)值創(chuàng)造力。
[Abstract]:Based on the relevant data of 62 commercial banks in China from 2009-2016, this paper uses the three-stage data envelopment analysis model to analyze the reform and development performance of urban commercial banks. The increase of total factor productivity of Citybank mainly comes from the increase of scale efficiency, while the change of pure technical efficiency and technological progress is not obvious. In the case of no improvement in technological progress, the increase of scale efficiency decreases with the increase of scale efficiency. The total factor productivity of city commercial bank presents the trend of continuous decline. Therefore, to some extent, the rapid growth of urban commercial banks in recent years is mainly due to macroeconomic and regulatory policy dividend driven scale expansion, which is inconsistent with the regulatory level of policy objectives. City commercial banks must get rid of their dependence on the path of scale expansion and fully understand the role of innovation transformation in promoting their development. On the one hand, we should accelerate financial innovation based on new factors of production, such as knowledge, information and data, and take new technologies and new business patterns as the core. Through innovation, we should transform traditional business, foster new profit growth points and realize cross-border cooperation. On the other hand, we should constantly change and transform, strengthen the transformation of strategic thinking and organization mechanism, strengthen the support of information technology, and improve the creativity of value.
【作者單位】： 泉州銀行;
【分類號(hào)】：F832.33

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