基于CCR模型的中部地区城市商业银行效率研究——选取三套指标体系的比较分析

本文以中部地区八家城市商业银行、三家上市城市商业银行银行和四家国有银行为样本，运用DEA分析方法中的CCR模型，选取6个指标，对其中的存款和贷款指标投入产出范畴进行调整，形成三套对照指标体系组。DEA分析结果显示：在三类银行中比较发现，中部地区城商行效率改善明显，“吸储”和“放贷”能力较强，但是盈利能力较低。基于前述对比分析，提出中部地区城商行提高效率首先要提高盈利能力，而关键又要引进高素质人才和适当提高非利息收入比重。研究方法上，笔者建议要建立并完善“效率”概念体系，主张借助定量工具以推进银行效率的定性研究。

Study on the Efficiency of City Commercial Bank in Central China

This article chooses eight city commercial bank in central China, three listed city commercial bank and four state-owned banks as a sample, using CCR model of DEA method .It selects 6 indexes. By changing input and output category of the deposit and loan index, it gets three sets of adjustment control index system group. DEA analysis results show that the efficiency of central area commercial banks has improved rapidly, especially the efficiency of deposit taking while lending and profitability is comparatively low. Based on the comparative analysis,the article points out that the city commercial bank of central area should improve business profitability to improve efficiency and the key point is to introduce high quality talent and increase the proportion of non-interest income. As for the research method, the author suggests the establishment and development of the system of ＂efficiency＂ concept, with the quantitative tools to promote qualitative research.