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Assessing the efficiency of financial supply chain for Chinese commercial banks: a two-stage AR-DEA model

机译：评估中国商业银行金融供应链的效率：两级AR-DEA模型

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Purpose The purpose of this paper is to evaluate Chinese commercial banks efficiency based on different non-performing loans in the process. Moreover, we identified the difference among different types of banks (state-owned commercial banks, joint-stock commercial banks and city commercial banks) and different operation stages (deposit producing sub-stage, profit earning sub-stage and overall stage). Design/methodology/approach Assurance region (AR) restrictions are combined with a two-stage data envelopment analysis (DEA) model. The efficiency scores of 26 Chinese commercial banks (listed banks) are analyzed by a two-stage AR-DEA model in the study period of 2013-2017. Findings The results show that state-owned commercial banks had better performance than joint-stock commercial banks and city commercial banks over the five-year study period. The development of Internet finance has positive impact on deposit producing sub-stage and insignificant non-homogeneity existed among the different groups in the circumstances of considering different non-performing loans. Practical implications The research findings provide practical insights that help bank managers find the defects in operation process, which need to be improved. Originality/value Previous studies viewed non-performing loans as an integrated whole variable. The paper divides non-performing loans into three categories based on the risk and investigates the effect of different types of loans on bank efficiency scores.
机译：目的本文的目的是根据进程中的不同不良贷款评估中国商业银行的效率。此外，我们确定了不同类型的银行（国有商业银行，联合股票商业银行和城市商业银行）和不同运营阶段的差异（生产子阶段，利润收入子阶段和总阶段）。设计/方法/方法保证区域（AR）限制与两级数据包络分析（DEA）模型相结合。 2013 - 2017年研究期间的两级AR-DEA模型分析了26名中国商业银行（上市银行）的效率得分。调查结果结果表明，国有商业银行在五年的研究期间比股票商业银行和城市商业银行更好地表现。互联网金融的发展对生产子阶段的押金和微不足道的非同质性在考虑不同的不良贷款的情况下存在积极影响。实际意义研究结果提供了实用的见解，帮助银行管理人员在需要改进的操作过程中发现缺陷。原始性/值以前的研究将不执行的贷款视为集成的整个变量。根据风险，该论文将不良贷款分为三类，并调查不同类型贷款对银行效率分数的影响。

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