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How ownership structure affects bank deposits and loan efficiencies: an empirical analysis of Chinese commercial banks

机译:所有权结构如何影响银行存款和贷款效率:对中国商业银行的实证分析

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摘要

This study explored how dramatic changes in ownership structure and operational technologies have influenced Chinese bank efficiency over the past decade. The study included an empirical analysis using 5 years (2011-2015) of operational data for 71 Chinese commercial banks. Two two-stage meta-frontier data envelopment analysis network models and multiple regression models were used to estimate and analyze impacts of variations in bank ownership structure. The main empirical results show that irrespective of deposits or loans efficiency, State-owned Banks (SOBs) have the highest technology and management levels. In contrast, City Commercial Banks should improve both technology and management levels, narrowing the gap with SOBs and Joint-stock Banks. The deposit efficiency of a bank was found to be mainly influenced by the nature of ownership (national shareholding ratio and the shareholding ratio of the domestic legal entities) and ownership concentration. The loan efficiency of a bank was mainly affected by the nature of ownership (the shareholding ratio of the foreign legal entities) and ownership liquidity.
机译:本研究探讨了所有权结构和运营技术的急剧变化在过去十年中影响了中国银行效率。该研究包括使用5年(2011-2015)的71中国商业银行的运营数据的实证分析。两个两级元边界数据包络分析网络模型和多元回归模型用于估算和分析银行所有权结构变化的影响。主要经验结果表明,无论存款或贷款效率如何,国有银行(SOB)都具有最高的技术和管理水平。相比之下,城市商业银行应改善技术和管理水平,缩小索布和联合银行的差距。发现银行的存款效率主要受到所有权本质(国家股份率和国内法人实体的股权)和所有权集中的影响。银行的贷款效率主要受所有权的性质(外国法人实体的股权)和所有权流动性的影响。

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  • 来源
    《Annals of Operations Research》 |2020年第2期|983-1008|共26页
  • 作者单位

    Univ Sci & Technol China Sch Management 96 Jinzhai Rd Hefei 230026 Anhui Peoples R China;

    Soochow Univ Res Ctr Smarter Supply Chain Donghuan Rd Suzhou 215021 Jiangsu Peoples R China;

    Univ Sci & Technol China Sch Management 96 Jinzhai Rd Hefei 230026 Anhui Peoples R China;

    Univ Sci & Technol China Sch Management 96 Jinzhai Rd Hefei 230026 Anhui Peoples R China;

  • 收录信息
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类
  • 关键词

    Bank; Efficiency; Ownership structure; Meta-frontier; DEA;

    机译:银行;效率;所有权结构;Meta-Frentier;DEA;

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