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在日益激烈的竞争市场中,商业银行必须要提高其经营效率,来保证自身的发展。本文采用灰色关联度分析法,对中国2001—2010年样本期间13家商业银行的X—效率进行测度,发现中国商业银行的效率呈现出上升趋势,而且国有商业银行和股份制商业银行效率的提高都有比较明显的阶段性特征。经过分析,发现商业银行的营业支出、贷款质量以及金融创新能力,对于影响商业银行效率具有重要作用。本文并针对实证分析的结果,对提高商业银行效率提出了一些意见和建议。
In an increasingly competitive market, commercial banks must improve their operational efficiency to ensure their own development. In this paper, we use the gray relational analysis to measure the X-efficiency of 13 commercial banks in China from 2001 to 2010, and find that the efficiency of China’s commercial banks shows an upward trend. Both the efficiency of state-owned commercial banks and joint-stock commercial banks There are more obvious characteristics of the stage. After analysis, it is found that the operating expenses, loan quality and financial innovation ability of commercial banks play an important role in influencing the efficiency of commercial banks. Based on the results of empirical analysis, this paper puts forward some suggestions and suggestions on how to improve the efficiency of commercial banks.