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江苏省村镇银行经营效率研究

发表时间:2015-01-15  浏览量:1606  下载量:436
全部作者: 桑宇,虞晨阳,张兵
作者单位: 南京农业大学金融学院
摘 要: 基于2012年至2013年间江苏省12家村镇银行的经营数据,将职工人数、存贷款种类与结算类业务种类之和以及主营业务支出作为投入指标,将贷款规模、主营业务收入作为产出指标,利用数据包络分析(data envelopment analysis,DEA)超效率模型对江苏省12家村镇银行的经营效率进行研究。结果显示:村镇银行的经营效率两极分化较大;部分村镇银行发展不太稳定;苏北、苏中、苏南村镇银行的经营效率依次递减,但三者的差距正逐渐缩小。最后,利用DEA-BCC模型和DEA-SBM模型研究发现,忽略不良贷款不会导致有偏的经营效率估计。
关 键 词: 农村金融学;村镇银行;经营效率;数据包络分析
Title: Empirical analysis of operating efficiency of the village banks in Jiangsu province
Author: SANG Yu, YU Chenyang, ZHANG Bing
Organization: College of Finance, Nanjing Agricultural University
Abstract: This paper made use of the statistics of 12 village banks in Jiangsu province between 2012 and 2013 to analyse the operating efficiencies of these banks using data envelopment analysis (DEA). We used staff number, the types of deposit and lending business and settlement business, and the expenditure of major business as input indexes, and the scale of lending and the revenue of major business as output indexes. The results showed that the operating efficiencies were polarized. The conditions of some banks were unstable. The average operating efficiency of village banks which were located in northern Jiangsu province was higher than that of village banks located in the center of this area and further higher than that of village banks located in the southern part of this province. But the gaps were narrowing. Finally, we used DEA-BCC model and DEA-SBM model to find that ignoring non-performing loan could not lead to biased estimate of operating efficiency.
Key words: agricultural finance; village banks; operating efficiency; data envelopment analysis
发表期数: 2015年1月第1期
引用格式: 桑宇,虞晨阳,张兵. 江苏省村镇银行经营效率研究[J]. 中国科技论文在线精品论文,2015,8(1):64-70.
 
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