第1页摘要这篇文章联系一些资料，阐释了钱庄效能的含义及与理论原理。第一步区分投入变量和产出变量，采纳DEA方式估计2011～2015年境内的四大公有钱庄和十家重要股份钱庄技术效能值。但由于DEA方法且并未考虑变量间的多重共线性，且选择有效决策单元具有主观性，因此本文选取相关数据，通过多元回归探究得到影响境内钱庄效能的因素，给出解决效能问题的较好的建议。本文把营业费用，员工人数和总资产当成投入指标；把净利润、不良贷款率和资金充足率当成产出指标，然后做DEA探究，把不良贷款率、资金充足率、资产费用率、资产收益率和人均利润当成自变量，三年平均技术效能当成因变量做回归探究。结果为效能水平大概表现为先降后升的走势，公有制钱庄从前期效能比股份制钱庄低，逐渐变成比股份制钱庄高，规模效能也是一样，可以看出以前公有钱庄无效是规模太大造成的，股份制无效是规模太小造成的；后期因为规模问题得到解决，影响效能的主要因素变成纯技术效能。多元回归探究一定程度上为DEA主观选择提供了依据，为我们找出效能影响因素，揭示出境内商业钱庄现在存在的问题，给中国以后的金融改革指明路线，并给出了使境内钱庄管理效能上升的建议。关键词：商业钱庄，DEA探究，多元回归探究，效能评价第2页AbstractThisarticlelinkssomeinformationtoexplainthemeaningofbankperformanceandthetheoreticalprinciples.Thefirststepistodistinguishbetweeninputvariablesandoutputvariables,usingDEAwaytoestimatethe2011to2015theterritoryofthefourmajorpublicbanksandtenmajorbankstechnicalefficiencyvalue.However,duetotheDEAmethodandnotconsideringthemultiplecollinearitybetweenvariables,andselecttheeffectivedecision-makingunitissubjective,sothispaperselecttherelevantdata,throughmultipleregressionanalysistogettheimpactofdomesticbankperformancefactors,giventheeffectivenessofsolvingbetterTheproposal.Inthispaper,theoperatingexpenses,thenumberofemployeesandthetotalassetsastheinputindicators,thenetprofit,non-performingloanratioandcapitaladequacyratioasoutputindicators,andthendoDEAinquiry,thenon-performingloanratio,capitaladequacyratio,assetcost,Rateandpercapitaprofitasindependentvariables,three-yearaveragetechnicalefficiencyasacausalvariabletodoregressionanalysis.Theresultsperformleveloftheperformancedecreaseatbeginningandincreaseintheend,thepublicbanksfromtheearlyperformancethanthejoint-stockbanks,andgraduallybecomehigherthanthejoint-stockbanks,thescaleofperformanceisthesame,wecanseethatthepreviouspublicbankistoolarge,Thefailureofjoint-stockbanksiscausedbythescaleistoosmall;Later,becausethesizeoftheproblemisresolved,themainfactorsaffectingtheeffectivenessofpuretechnicalperformance.Themultipleregressionanalysis第3页providesthebasisforthesubjectivechoiceofDEA,findsouttheinfluencingfactorsforus,revealstheproblemsexistinginthedomesticcommercialbanks,pointsouttheroutetothefinancialreforminChina,andgivesthedomesticbankmanagementefficiencyRisingadvice.Keywords:commercialbank,DEAinquiry,multipleregressionanalysis,effectivenessevaluation目录第一章绪论........................................................................................................................................................31.1选题背景和研究意义..............................................................................................................................31.2国内外DEA方法以及钱庄效率的研究.................................................................................................4第二章钱庄业绩评价方法及DEA方法理论.........................................................................................62....
