解开银行低效率的来源:一个双阶段的网络多方向效率分析方法
1Glorious Sun School of Economics and Management, Donghua University, Yan'an Road, Shanghai, 200051 China.
概括
本研究引入了一种新的双阶段网络多方向效率分析 (NMEA),用于识别银行低效率的来源. 调查结果显示,存款产生是中国银行效率低下的主要驱动因素.
科学领域:
- 金融经济学 金融经济学
- 运营研究 运营研究
- 银行业务管理管理
背景情况:
- 传统的效率分析通常将银行视为"黑子",限制了对内部运营驱动因素的洞察力.
- 了解内部低效率对于提高银行系统的性能和稳定性至关重要.
研究的目的:
- 开发和应用一个扩展的两阶段网络多方向效率分析 (NMEA) 方法.
- 要分解效率,并确定银行系统内特定的低效率驱动因素.
- 分析第十三个五年计划 (2016-2020年) 中中国上市银行的效率.
主要方法:
- 扩展了双阶段网络多方向效率分析 (NMEA).
- 将银行整体效率分解为子系统特定贡献.
- 对不同银行类型和尺寸的效率演变进行比较分析.
主要成果:
- 银行整体低效率的主要来源被确定为存款生成子系统.
- 在不同银行类型和运营维度之间,效率演变存在显著差异.
- 拟议的两阶段NMEA方法提供了独特的效率分解能力.
结论:
- 存款生成子系统是解决银行效率低下问题的关键领域.
- 银行特定的特点需要量身定制的效率提高策略.
- 两个阶段的NMEA框架为银行业监管和管理提供了宝贵的见解.
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