發(fā)布時(shí)間：2018-04-12 22:33

  本文選題：農(nóng)村商業(yè)銀行 + 技術(shù)效率��； 參考：《暨南大學(xué)》2014年碩士論文

【摘要】：本文選取了我國15家農(nóng)村商業(yè)銀行作為研究對象，運(yùn)用數(shù)據(jù)包絡(luò)分析（DEA方法），對其技術(shù)效率、純技術(shù)效率和規(guī)模效率進(jìn)行了研究，比較方式包括橫向的靜態(tài)效率比較、縱向的動態(tài)效率比較、按東、中、西部經(jīng)濟(jì)區(qū)域劃分的效率比較以及按資產(chǎn)規(guī)模劃分的效率比較，發(fā)現(xiàn)（1）農(nóng)商行在2011年機(jī)構(gòu)數(shù)驟然增加時(shí)，整體農(nóng)商行純技術(shù)效率與規(guī)模效率提高且處於規(guī)模報(bào)酬遞減的機(jī)構(gòu)數(shù)下降，但隨后的2012年呈現(xiàn)出整體效率下降，規(guī)模報(bào)酬遞減機(jī)構(gòu)數(shù)上升的趨勢，這說明銀行擴(kuò)充的部分資本存在運(yùn)營效率低，從而對農(nóng)商行的效率產(chǎn)生負(fù)面影響；（2）農(nóng)商行目前受純技術(shù)效率影響較大；（3）東部、中部區(qū)域的農(nóng)商銀的技術(shù)效率處於較高水平，且處於較為穩(wěn)定狀態(tài)，而西部區(qū)域農(nóng)商行的技術(shù)效率普遍較低，且其技術(shù)效率波動較大；（4）大型農(nóng)商行技術(shù)效率比中小型農(nóng)商行技術(shù)效率略高，在市場競爭加劇時(shí)，中小型農(nóng)商行純技術(shù)效率反應(yīng)更加靈敏，，且中小型農(nóng)商行更具有規(guī)模效率。 然后本文采用Tobit回歸對農(nóng)村商業(yè)銀行自身效率的影響因素進(jìn)行分析，發(fā)現(xiàn)技術(shù)效率與市場份額顯著負(fù)相關(guān)、與存貸比顯著正相關(guān)、與成本耗費(fèi)顯著負(fù)相關(guān)、與資產(chǎn)收益率顯著正相關(guān)、與創(chuàng)新能力顯著正相關(guān)。進(jìn)而提出提高效率的建議：保持合理市場份額，加強(qiáng)資源配置能力，增強(qiáng)銀行盈利能力，提高銀行金融創(chuàng)新能力。
[Abstract]:In this paper, 15 rural commercial banks in China are selected as the research objects, and their technical efficiency, pure technical efficiency and scale efficiency are studied by using DEA method of data Envelopment Analysis. The comparison includes horizontal static efficiency comparison.The vertical dynamic efficiency comparison, according to the efficiency comparison of the east, middle and west economic regions and the efficiency by assets scale, found that the number of agricultural firms increased sharply in 2011.The pure technical efficiency and scale efficiency of agribusiness as a whole have increased and the number of institutions in the decline of returns on scale has decreased, but the overall efficiency has declined and the number of declining institutions of diminishing returns of scale has increased in 2012.This shows that some of the capital expanded by banks has low operating efficiency, which has a negative impact on the efficiency of agribusiness banks. 2) the agribusiness banks are now greatly affected by pure technical efficiency.) in the east, the technical efficiency of agribusiness banks in the central region is at a higher level.The technical efficiency of large agribusiness banks is slightly higher than that of small and medium-sized agribusiness banks, and when the market competition intensifies, the technical efficiency of large agribusiness banks is lower than that of small and medium-sized agribusiness firms, and the technical efficiency of agricultural and commercial banks in the western region is generally low, and the technical efficiency of large agribusiness banks fluctuates greatly.The pure technical efficiency of small and medium agribusiness is more sensitive, and small and medium-sized agribusiness is more scale-efficient.Then this paper uses Tobit regression to analyze the influencing factors of rural commercial banks' own efficiency, and finds that technical efficiency is negatively correlated with market share, deposit / loan ratio, cost and cost.It has significant positive correlation with return on assets and innovation ability.Then it puts forward some suggestions to improve efficiency: to maintain reasonable market share, to strengthen the ability of resource allocation, to enhance the profitability of banks, and to improve the ability of bank financial innovation.
【學(xué)位授予單位】：暨南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F224;F832.35

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 丁俊;對我國地方性商業(yè)銀行效率的國內(nèi)比較分析[J];金融論壇;2001年07期

2 張權(quán),張世英;國有商業(yè)銀行人力資源效率分析[J];甘肅科學(xué)學(xué)報(bào);2004年02期

3 王玲;謝玉梅;胡基紅;;我國農(nóng)村商業(yè)銀行效率及其影響因素分析[J];財(cái)經(jīng)論叢;2013年05期

4 羅登躍;基于DEA的商業(yè)銀行效率實(shí)證研究[J];管理科學(xué);2005年02期

5 趙旭,周軍民,蔣振聲;國有商業(yè)銀行效率的實(shí)證分析[J];華南金融研究;2001年01期

6 姚樹潔,馮根福,姜春霞;中國銀行業(yè)效率的實(shí)證分析[J];經(jīng)濟(jì)研究;2004年08期

7 魏煜,王麗;中國商業(yè)銀行效率研究:一種非參數(shù)的分析[J];金融研究;2000年03期

8 趙旭,蔣振聲,周軍民;中國銀行業(yè)市場結(jié)構(gòu)與績效實(shí)證研究[J];金融研究;2001年03期

9 張健華;我國商業(yè)銀行效率研究的DEA方法及1997-2001年效率的實(shí)證分析[J];金融研究;2003年03期

10 王聰,鄒朋飛;中國商業(yè)銀行效率結(jié)構(gòu)與改革策略探討[J];金融研究;2004年03期

本文編號：1741747