| 大型商业银行支持中小企业信贷的DEA效率分析 |
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| 引用本文： | 陈丽桦,曾福生. 大型商业银行支持中小企业信贷的DEA效率分析[J]. 湖南财经高等专科学校学报, 2013, 29(2): 92-97 |
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| 作者姓名： | 陈丽桦 曾福生 |
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| 作者单位： | 湖南农业大学经济学院,湖南长沙,410128 |
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| 基金项目： | 湖南省社会科学基金项目"推进长株潭先进制造业发展政策体系研究"(项目 |
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| 摘 要： | 运用DEA数据包络分析法,通过对工商、建设两家大型商业银行和其它八家中小银行支持中小企业信贷效率的实证分析,发现大型商业银行比中小商业银行更适合对中小企业贷款。大型商业银行应转变经营理念,拓展对中小企业信贷业务;加强金融技术创新,人员培养;优化资源配置,提高组织效率。
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| 关 键 词： | 中小企业 大型商业银行 DEA效率 |
The DEA Efficiency Analysis on Large Commercial Banks to Support SMEs Credit |
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| CHEN Li-hua , ZENG Fu-sheng. The DEA Efficiency Analysis on Large Commercial Banks to Support SMEs Credit[J]. Journal of Hunan Financial and Economic College, 2013, 29(2): 92-97 |
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| Authors: | CHEN Li-hua ZENG Fu-sheng |
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| Affiliation: | (School of Economics,Hunan Agricultural University,Changsha Hunan 410128) |
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| Abstract: | Using the DEA analysis method,this paper analyzes the financing efficiency of two large commercial banks and other eight small and medium-sized banks to support the small and medium-sized enterprises（SMEs）,and the result shows that large commercial banks are more efficient than small and medium-sized commercial banks in the SMEs credit supporting.Large commercial banks should change their business philosophy,to expand the business on SMEs credit;strengthen financial technology innovation and personnel training;optimize the allocation of resources to improve organizational efficiency. |
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| Keywords: | SMEs large commercial banks DEA analysis |
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