摘要
对利率市场化程度进行测算,并使用DEA方法对14家商业银行近20年的效率进行测算和研究,在构建合理的利率市场化指标基础上,选取面板数据,就利率市场化程度对我国商业银行业效率影响进行实证分析。结论表明,随着我国利率市场化进程的加深,我国商业银行的总体效率是提高的,而国有商业银行综合效率不高,对利率市场化反应不明显。提升国有商业银行综合效率,应改革产权和治理结构,改进管理水平;强化成本管理,有效处置不良资产;发展中间业务,加快金融创新。
We estimate the degree of interests rate liberalization, and analyze the economic efficiency of 14 commercial banks with DEA method in most 20 years. On the base of reasonable marketization index, we choose panel data, and analyze the effect on economic efficiency of commereial banks on the base of interest＇s rate liberalization. It is concluded that with the deepening of interest^s rate liberalization, the overall efficiency of commercial banks is improving. However, the overall efficiency of state owned commercial banks is low efficient, and the reaction to interests rate liberalization is not obvious. In order to improve the efficiency, state owned commercial banks should reform their property rights and governance structure, improve their management style; strengthen cost management and dispose non-performing asset effectively; develop their intermediary business and speed up financial innovation.
作者
安辉
张芳
An Hui ZhangFang
出处
《改革》
CSSCI
北大核心
2017年第3期139-149,共11页
Reform
基金
教育部人文社会科学研究项目"外部流动性冲击与我国金融稳定"(批准号:16YJA790001)
关键词
利率市场化改革
银行运行效率
金融监管体制
interest rate marketization reform, bank operation efficiency, financial supervision system
