作　　者： (高云峰）; (李华实）;

机构地区： 西南大学经济管理学院,重庆400715

出　　处： 《当代金融研究》 2017年第1期1-11,共11页

摘　　要： 新兴金融、互联网金融发展不断倒逼着银行业必须提高效率,而服务能力、信贷环境是银行效率提升的关键因素。本文运用数据包络分析方法和广义相加模型,对特定信贷环境中银行效率与服务能力的关系假设进行检验。实证结果表明,银行的信贷供给和服务配送能力对银行效率的提升具有正面影响,但信贷供给能力对银行效率的提升作用存在上限边界约束,而服务配送能力对银行效率的提升作用则受到下限边界约束;银行效率对信贷环境变化的动态响应呈"S"型变动特征。 Service ability and credit environment are key factors in improving bank efficiency.Banks haveto increase their efficiency when they face the competition from new type finance and online finance.This paperexamines the relationship between the bank efficiency and services ability in specific credit environment based ondata envelopment analysis and general additive model.The research results show that bank's loanable fund supply andservice delivery ability have positive effects on bank efficiency,but the effect from loanable fund supply ability has toplimit and that from service delivery ability has bottom limit.The dynamic moving of bank efficiency follows"S"curvewith the credit environment changes.

关 键 词： 银行效率 服务能力 信贷环境