本文關(guān)鍵詞：基于數(shù)據(jù)包絡(luò)分析法（DEA）的中國(guó)上市商業(yè)銀行經(jīng)營(yíng)效率研究　出處：《遼寧大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：在金融全球化背景下，隨著金融管制的放松以及金融創(chuàng)新的發(fā)展，我國(guó)的商業(yè)銀行面臨來(lái)自國(guó)外和國(guó)內(nèi)競(jìng)爭(zhēng)對(duì)手的雙重競(jìng)爭(zhēng)。同時(shí)，2013年7月20日，我國(guó)利率市場(chǎng)化進(jìn)程進(jìn)一步推進(jìn)，全面放開了對(duì)貸款利率的管制。面對(duì)這樣的背景，商業(yè)銀行不得不調(diào)整原有的經(jīng)營(yíng)戰(zhàn)略，重新進(jìn)行市場(chǎng)定位，抓住機(jī)遇，，戰(zhàn)勝挑戰(zhàn)，提高競(jìng)爭(zhēng)力。 本文首先回顧了國(guó)內(nèi)外學(xué)者對(duì)商業(yè)銀行經(jīng)營(yíng)效率研究的文獻(xiàn)，其次簡(jiǎn)要介紹了商業(yè)銀行經(jīng)營(yíng)效率的含義及測(cè)度方法，分析了不同方法的優(yōu)缺點(diǎn)并加以比較。之后運(yùn)用定性分析法從宏觀、中觀、微觀三個(gè)方面分析了影響上市商業(yè)銀行經(jīng)營(yíng)效率的因素，同時(shí)運(yùn)用數(shù)據(jù)包絡(luò)分析法（DEA）分析了16家上市商業(yè)銀行的經(jīng)營(yíng)效率，分析時(shí)間段為2010年至2012年。分析結(jié)果發(fā)現(xiàn)除交通銀行外的4家國(guó)有控股商業(yè)銀行處于規(guī)模報(bào)酬遞減階段，且其經(jīng)營(yíng)效率與股份制商業(yè)銀行相比較低；而各家股份制商業(yè)銀行發(fā)展?fàn)顟B(tài)各不相同，發(fā)展較好的是中信銀行、光大銀行和民生銀行，這3家上市商業(yè)銀行均存在技術(shù)效率、純技術(shù)效率和規(guī)模效率，而平安銀行處于規(guī)模報(bào)酬遞增的階段，華夏銀行也是如此；上市的城市商業(yè)銀行發(fā)展態(tài)勢(shì)較好，北京銀行和寧波銀行存在技術(shù)效率、純技術(shù)效率和規(guī)模效率，且規(guī)模報(bào)酬不變，南京銀行處在規(guī)模報(bào)酬遞增階段。最后一章關(guān)于提高上市商業(yè)銀行經(jīng)營(yíng)效率提出了幾點(diǎn)對(duì)策建議：一是合理控制經(jīng)營(yíng)規(guī)模；二是加強(qiáng)對(duì)金融創(chuàng)新的重視程度，提高員工質(zhì)量；三是重視中間業(yè)務(wù)的發(fā)展；四是加強(qiáng)對(duì)上市商業(yè)銀行的合理合規(guī)監(jiān)管。
[Abstract]:Under the background of financial globalization, with the financial deregulation and the development of financial innovation, China's commercial banks are facing double competition from foreign and domestic competitors. At the same time, in July 20, 2013, to further promote the marketization of interest rate, the full liberalization of the loan interest rate regulation. Under such a background, the commercial banks have to adjust the original business strategy, accurate market positioning, seize opportunities and overcome challenges, improve competitiveness.
This paper first reviews the research on the efficiency of commercial bank management literature on domestic and foreign scholars, followed by a brief introduction to the definition and measure the efficiency of commercial banks, analyzes the advantages and disadvantages of different methods were compared. After using the method of qualitative analysis from the macro, meso, three aspects of the factors affecting the operational efficiency of listed commercial banks the micro view, while the use of data envelopment analysis (DEA) analysis of 16 listed commercial banks operating efficiency analysis, the period is from 2010 to 2012. The analysis results show that the 4 state-owned commercial banks in addition to the bank at the stage of decreasing returns to scale, and the operating efficiency is low compared with joint-stock commercial banks; while the joint-stock commercial bank development status is different, better development of the CITIC Bank, China Everbright Bank and Minsheng Bank, the 3 listed commercial banks have technical efficiency Rate of pure technical efficiency and scale efficiency, and Ping An Bank in increasing returns to scale stage, so is the Huaxia Bank; the development trend of city commercial banks listed on the good, Beijing bank and Ningbo Bank of technical efficiency, pure technical efficiency and scale efficiency, and constant returns to scale, the Bank of Nanjing in the last stage of increasing returns to scale. The chapter on improving the listed commercial bank management efficiency and put forward some suggestions: one is the reasonable control of the scale of operation; the two is to strengthen the importance of financial innovation, improve the quality of employees; the three is of great importance to the development of the intermediate business; the four is to strengthen the reasonable regulation of listed commercial banks.

【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F224;F832.33

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本文編號(hào)：1419085