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粤港澳大湾区城市商业银行运营效率研究 -基于DEA模型和Malmquist-
张丹 ( Zhang Dan ),金旭 ( Jin Xu ),朴商道 ( Park Sang Do ) 한중사회과학학회 2021 한중사회과학연구 Vol.19 No.3
本文运用数据包络方法(DEA),对粤港澳大湾区三方共16家城市商业银行1999-2019年间的运营效率进行了综合评价, 并对粤港澳大湾区城市商业银行经营效率的影响因素进行分析。从粤港澳16家银行经营效率静态实证分析中, 1999-2019年期间, 粤银行和港银行经营管理水平, 业务专业程度和规模化水平明显高出澳银行;粤银行和港银行的经营效率各有优势, 粤银行规模化水平更高, 走规模化发展路线, 而港银行业务专业化水平更高, 走技术管理路线;无论是技术层面, 还是规模化层面, 澳银行与粤银行和港银行差距明显, 需要重视各方面不足, 补齐各种短板, 提高经营效率。从动态角度测算及分析1999-2019年粤港澳16家银行的全要素生产率在1999-2019年的效率变化, 首先从粤港澳大湾区整体及分组Malmquist指数来看, 21年间, 粤银行进步最快, 在技术效率和技术进步两侧均发展顺利, 其中技术进步是发展的主因;澳银行次之, 技术效率有所下滑;港银行最慢, 同样也是在技术效率方面有所退步。对于粤港澳三地银行业16家银行来说, 提高银行业技术水平或组织管理水平是提升全要素生产率的一项重要工作。粤港澳三地16家银行需分析自身的优劣势及所处的市场地位, 进行针对性的舍弃和补缺, 从而提升自身的全要素生产率。根据研究结论提出建议: 多途径提高资本, 缓解资本压力;减少银行物理网点机构, 推动业务创新;提高中间业务收入占比, 拓展盈利空间;加强风险管理控制能力, 提高贷款质量;拓宽业务发展领域, 注重跨区经营。 In this paper, Data Envelopment Analysis (DEA) is used to comprehensively evaluate the operation efficiency of 16 city commercial banks in the three parties of Guangdong-Hong Kong-Macau Greater Bay Area from 1999 to 2019, and analyze the factors affecting the operation efficiency of city commercial banks in Guangdong-Hong Kong-Macau Greater Bay Area. From the static empirical analysis of the operation efficiency of 16 banks in Guangdong, Hong Kong and Macao, the operation and management level, business professionalism and scale level of Guangdong Bank and Hong Kong Bank are significantly higher than those of Macao Bank during the period from 1999 to 2019. Guangdong Banks and Hong Kong Banks have their own advantages in operating efficiency. Guangdong Banks have a higher level of scale and take the route of scale development, while Hong Kong banks have a higher level of business specialization and take the route of technical management. Regardless of the technical level or the scale level, there is an obvious gap among the Macao Banks and the Guangdong Banks and the Hong Kong Banks. Attention should be paid to the deficiencies in various aspects, make up for various shortcomings and improve operational efficiency. The efficiency changes of total factor productivity of 16 banks in Guangdong, Hong Kong, and Macao from 1999 to 2019 is measured and analyzed from a dynamic point of view. First, from the perspective of Guangdong-Hong Kong-Macau Greater Bay Area’s overall and grouped Malmquist index, Guangdong Bank made the fastest progress in 2021, with smooth development in terms of technical efficiency and technological progress, and technological progress is the main reason for development, followed by Macao Bank, with a decline in technical efficiency. Hong Kong Bank made the slowest progress, and there is also a decline in technical efficiency. For the 16 banks in Guangdong, Hong Kong, and Macao, it is an important work for improvement of total factor productivity to improve the level of banking technology or organization and management. 16 banks in Guangdong, Hong Kong and Macao need to analyze their own advantages and disadvantages and their market position, and carry out targeted abandonment and filling, to improve their total factor productivity. Based on the research conclusions, some suggestions are put forward in this paper: increase capital in various ways, alleviate capital pressure, reduce bank physical outlet institutions, promote business innovation, increase the proportion of intermediate business income, expand profit space, strengthen risk management, and control ability, improve loan quality; broaden the field of business development and pay attention to cross-regional operation.
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중국도시상업은행 효율성 분석을 이용한 한중 금융협력 전략분석 - 동북아 국제금융질서 변화의 시사점을 중심으로
오대원,남수중 중국학연구회 2014 中國學硏究 Vol.- No.68
Changes of China’s macro-economic environment and regulatory policy have brought an important opportunity for the transformation of city commercial banks’ business operation in post-financial crisis era. In this paper, we conduct an analysis on efficiency using DEA centering on the intermediation approach commonly used in evaluating the efficiency of city commercial banks. We takes two models, model (A) is for evaluation of growth and model (B) is for evaluation of profitability. From the sample study of more than 37 city commercial banks, We find that efficiency analysis result shows that there are four character for strategy cooperation. After conducting a matrix analysis to develop the composition factors of efficiencies of each bank, it appears that the profitability and growth of those banks are key factors of Bilateral financial cooperation strategy between Korea-China. Some of the representative ones have established a competitive advantage in the field of financial market. In order to take the initiative and thrive in the international banking industry,city commercial banks and Korean banks should cultivate their own customers and form businesses and profitability structure of their own characteristics.
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