我国城市商业银行效率的区域差异及其影响因素研究
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上海市教育委员会发展基金资助项目(F30803)


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    摘要:

    选取我国59家城市商业银行2008—2014年的面板数据,运用SFA测度及Tobit回归分析研究城商行效率的区域差异及其影响因素,结果表明:城商行效率呈现出中西部强于东部地区的特征;影响城商行效率的区域因素包括政府干预程度、企业经营状况、金融竞争程度等,且影响程度存在区域差异;此外,银行自身的规模、不良贷款率和净利差对城商行效率的影响也存在区域差异性。因此,城商行应结合自身所处的区域环境特征制定发展战略和经营策略。

    Abstract:

    Selecting the panel data of 59 city commercial banks in China from 2008 to 2014, using SFA measure and Tobit regression analysis, this paper makes a research on regional differences in bank efficiency and influencing factors of city commercial banks. The results show that the bank efficiency in the central and the west are higher than that in the east. The regional factors that affect the efficiency of the city commercial banks include the degree of government intervention, business performance and the degree of regional finance competition, and there are regional differences in the degree of influence. In addition, there exist regional differences in the impact of bank size, non-performing loan ratio and net interest margin on the efficiency of city commercial banks. Therefore, the regional environment features cannot be ignored in making city commercial banks,development strategy and business strategy.

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顾晓安,袁照贺,龚德风.我国城市商业银行效率的区域差异及其影响因素研究[J].南京审计大学学报,2017,(1):

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  • 在线发布日期: 2017-01-05
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