本文關鍵詞：中國商業(yè)銀行戰(zhàn)略群與技術效率研究　出處：《西南財經大學》2012年博士論文　論文類型：學位論文

  更多相關文章： 中國商業(yè)銀行 戰(zhàn)略群 技術效率 聚類分析 數據包絡分析

【摘要】：2006年-2010年,為迎接銀行業(yè)市場全面向外資銀行開放,我國銀行業(yè)市場發(fā)生了重要的變化,銀行系統(tǒng)圍繞著從公司治理、發(fā)展戰(zhàn)略、經營理念、激勵約束機制多個層面尋求突破�！皯�(zhàn)略轉型”被眾多商業(yè)銀行提出,作為的戰(zhàn)略目標。特別是,金融危機后新巴塞爾協(xié)議和中國銀監(jiān)會推出的《商業(yè)銀行資本管理辦法(試行)》提高了商業(yè)銀行的風險資本要求,國內商業(yè)銀行戰(zhàn)略轉型的呼聲更高,轉變增長方式、降低資本占用較高的業(yè)務、發(fā)展資本集約型業(yè)務,已成為中國銀行業(yè)當前的共識。我國商業(yè)銀行剛剛建立現(xiàn)代銀行體系不久,戰(zhàn)略管理滯后,銀行同質化競爭、產品服務差異化不足、中小股份制商業(yè)銀行戰(zhàn)略定位迷茫、城商行不知未來何去何從,種種問題幾乎是國內銀行業(yè)給公眾廣泛的直觀印象,也多是公開的熱點問題。 本文關注的是,繼我國商業(yè)銀行業(yè)改制、引入戰(zhàn)略投資者和戰(zhàn)略轉型等一系列重要舉措過后,我國銀行的發(fā)展戰(zhàn)略是同質還是異質?采用哪一種戰(zhàn)略的銀行做得好?戰(zhàn)略的選擇能夠預測一定的效率水平嗎?換言之,我國銀行業(yè)內部是否存在若干奉行不同的戰(zhàn)略的戰(zhàn)略群?銀行是否仍然存在戰(zhàn)略同質化、產品和服務同質化的問題?商業(yè)銀行除了國有、股份制、區(qū)域性銀行這樣的標簽,是否就沒有其他差別呢?為了解開這些疑問,論文以戰(zhàn)略群理論為依據,分析我國銀行業(yè)市場的結構,并嘗試檢驗商業(yè)銀行戰(zhàn)略類型與銀行效率之間的關系,以及商業(yè)銀行戰(zhàn)略改變或者戰(zhàn)略轉型將會對銀行效率產生的影響。 論文含緒論共分為八章,每章的主要內容是： 第一章：緒論,主要內容是介紹論文的選題意義以及相關研究的現(xiàn)狀,通過研究背景的介紹說明研究商業(yè)銀行戰(zhàn)略群以及檢驗戰(zhàn)略群與效率之間關系的意義。緒論同時說明了論文研究的基本邏輯思路,即將規(guī)范分析和實證分析相結合,首先依據理論提出研究假設和研究框架,然后一步步通過實證分析證明待檢驗命題是否成立或成立的條件。緒論部分的結束部分匯報論文的不足與創(chuàng)新之處。 第二章：理論基礎,主要內容是梳理論文研究依據的基礎理論,通過概念的演繹和比較,界定論文最終引用或依據的具體理論。首先,通過戰(zhàn)略理論發(fā)展的回顧,本文將戰(zhàn)略理解為一個企業(yè)或組織為了達成組織愿景而作出的關于整個組織的經營結構、資源配置結構、產品或服務結構和目標市場結構的長期規(guī)劃,即綜合了Gerry Johnson和Kevan Scholes的公司層戰(zhàn)略和企業(yè)層戰(zhàn)略的內容,包括企業(yè)融資、資源配置、客戶結構、產品結構等方面。其次,通過戰(zhàn)略群理論的梳理,本文確定了將基于產業(yè)經濟視角理解戰(zhàn)略群,而不是從企業(yè)認知視角界定和解釋戰(zhàn)略群,盡管后者也存在合理性。同時,關于戰(zhàn)略群分析技術的比較,本文將選取多個關鍵戰(zhàn)略變量采用多元統(tǒng)計分析劃分我國商業(yè)銀行戰(zhàn)略群,具體的分析過程將會運用因子分析和聚類分析等技術。再次,通過效率和銀行效率的理論回顧和文獻綜述,明確指出本文所指的銀行技術效率是一種前沿效率,前沿效率的好處在于能夠綜合反映商業(yè)銀行的財務和經營績效,并且能夠進一步分解得到更多的發(fā)現(xiàn)。基于研究目的的需要,論文將選擇使用采用數據包絡分析(DEA)方法評測我國銀行的技術效率。關于效率的文獻綜述表明恰當選擇前沿效率評價指標的重要性。 本章最后綜述了戰(zhàn)略群與企業(yè)績效的關系,尤其是戰(zhàn)略群之間是否穩(wěn)定地表現(xiàn)出經營績效的差異,這是一個非常吸引人的研究題目。然而,大量的實證分析表明,戰(zhàn)略群與經營績效之間不存在確定的映射關系,雖然許多實證分析戰(zhàn)略群之間的績效差異化顯著。通過本章的梳理,明確論文的研究目的和任務,即將通過實證分析探討和檢驗：一、我國銀行業(yè)是否存在戰(zhàn)略群,若存在戰(zhàn)略群,則不同戰(zhàn)略群的關鍵戰(zhàn)略變量必須呈現(xiàn)顯著性差異；二、若存在戰(zhàn)略群,則戰(zhàn)略群類型和銀行效率是否存在穩(wěn)定的聯(lián)系,如果存在,則表明我們銀行業(yè)存在著內部的移動壁壘,這些內部的移動壁壘保證了每個戰(zhàn)略群獲得差異化的穩(wěn)定的期望績效,不同績效水平的戰(zhàn)略群共同構成了銀行業(yè)的生態(tài)系統(tǒng)。 第三章：分析框架,主要內容是是論文研究的主要概念和主要方法的定義和選擇以及研究框架的基本描述,統(tǒng)領以后章節(jié)的實證分析邏輯和方法。本章首先辟清本文所指的戰(zhàn)略群概念基于產業(yè)經濟理論,并非基于認知視角的戰(zhàn)略群概念,戰(zhàn)略群的界定采用波特(1979)和YamiBenavent (2000)關于戰(zhàn)略群的定義,戰(zhàn)略群的分析思路即選擇關鍵戰(zhàn)略變量,利用多元統(tǒng)計分析方法劃分戰(zhàn)略群。 本章提出戰(zhàn)略變量的選擇將基于戰(zhàn)略和戰(zhàn)略群的內涵,包含商業(yè)銀行的三個戰(zhàn)略方面的內容,即資產戰(zhàn)略(投資戰(zhàn)略)、負債戰(zhàn)略(融資戰(zhàn)略)、收入戰(zhàn)略,具體戰(zhàn)略變量依據商業(yè)銀行資產負債表和利潤表構建,最終采用凝聚算法的層次聚類分析劃分戰(zhàn)略群。 本章界定了技術效率的內涵和分解采用Farrell的定義,評價方法采用數據包絡分析的CCR和BCC模型,關于技術效率的變化則使用Malmquist指數度量。本章認為技術效率評價指標的選擇非常重要,通過比較常用的六種投入產出指標選擇方法,提出應當根據現(xiàn)代商業(yè)銀行的經營現(xiàn)實結合生產法選擇銀行投入產出指標,最終確定商業(yè)銀行的投入要素是核心資本、人力資本和管理費用,但受到數據可得性的限制,評價技術效率的投入指標最終是核心資本凈額、業(yè)務及管理費(含員工薪酬)；產出指標則是傳統(tǒng)存貸款業(yè)務和部分資金業(yè)務創(chuàng)造的凈利息收入,和中間業(yè)務創(chuàng)造的手續(xù)費及傭金收入,后者幾乎構成了非利息收入的全部。 本章的第三部分提出關于戰(zhàn)略群與效率之間的關系的兩個假設性命題,第一個命題是商業(yè)銀行戰(zhàn)略群之間績效異質性,戰(zhàn)略群內部績效同質性,第二個命題是商業(yè)銀行的戰(zhàn)略轉型(表現(xiàn)為戰(zhàn)略群轉換)會導致商業(yè)銀行效率下降。當然,實證部分同時將檢驗資本充足水平、貸款質量是否會影響商業(yè)銀行的效率。 第四章：戰(zhàn)略群分析,本章依據第三章定義的商業(yè)銀行戰(zhàn)略變量,利用銀行年報整理得到樣本銀行戰(zhàn)略變量的面板數據集,然后使用主成分分析和因子分析從眾多戰(zhàn)略變量中抽取更顯著的少數變量,降低戰(zhàn)略變量的維度,最終采用聚類分析發(fā)現(xiàn)我國銀行業(yè)確實存在四個戰(zhàn)略群。依據每個戰(zhàn)略群關于因子的得分歸納總結不同戰(zhàn)略群的主要特征,最后將四個戰(zhàn)略群分別命名為：傳統(tǒng)銀行戰(zhàn)略群(以中信銀行為代表)、多元銀行戰(zhàn)略群(福州銀行為代表)、領先銀行戰(zhàn)略群(以工商銀行為代表)、特色銀行戰(zhàn)略群(以興業(yè)銀行為代表)。 本章實證分析的創(chuàng)新包括三個方面：一是采用混合數據進行聚類分析,能夠考察戰(zhàn)略結構的動態(tài)變化；二是實證分析揭示我國商業(yè)銀行業(yè)存在四個各有特點的戰(zhàn)略群,并根據戰(zhàn)略變量的特征為之命名。 第五章：技術效率評價,本章依據第三章定義的商業(yè)銀行投入產出指標體系,利用銀行年報整理得到評價我國商業(yè)銀行效率的投入產出變量的面板數據集,然后使用Deap軟件評價了我國代表性商業(yè)銀行2006-2010年的技術效率(包括純技術效率和規(guī)模效率以及效率的Malmquist指數)。技術效率的評價結果表明,我國銀行業(yè)的技術效率、純技術效率和規(guī)模效率的平均值分別約為0.90、0.93、0.96,且國有控股大型商業(yè)銀行的效率值高于普通股份制商業(yè)銀行；Malmquist指數的分析表明,2006-2010年我國銀行業(yè)的技術效率、純技術效率、規(guī)模效率、生產技術變化和全要素生產率都呈提高趨勢,大型商業(yè)銀行持續(xù)的生產技術進步推動了大型商業(yè)銀行的全要素生產率持續(xù)提高,也是確保我國銀行業(yè)全要素生產率提高的主要動力。然而,除了生產技術的Malmquist指數外,國有控股大型商業(yè)銀行的效率Malmquist指數沒有明顯地高于普通股份制商業(yè)銀行。 本章的創(chuàng)新點是評價商業(yè)銀行技術效率的投入產出指標的選擇,較好地抓住了商業(yè)銀行運營的核心。現(xiàn)代的商業(yè)銀行是一個提供多元金融服務的投融資中介,吸儲放貸是商業(yè)銀行最原始的業(yè)務,不是商業(yè)銀行的全部。當前國際和國內銀行監(jiān)管部門都提高了資本充足率的監(jiān)管要求,戰(zhàn)略轉型是商業(yè)銀行的必然選擇,商業(yè)銀行將努力控制貸款等資本占用高的傳統(tǒng)業(yè)務,尋找一條資本集約化使用的道路。 第六章：實證分析商業(yè)銀行戰(zhàn)略群與銀行效率的關系。本章是論文的重點部分。本章的工作包括兩個部分：一是靜態(tài)分析商業(yè)銀行戰(zhàn)略群類型與技術效率之間的關系,即通過實證分析,檢驗我國商業(yè)銀行不同的戰(zhàn)略群之問的技術效率以及技術效率的變化趨勢是否存在顯著差異；二是,從動態(tài)的視角,檢驗商業(yè)銀行戰(zhàn)略群轉換是否會影響技術效率和全要素生產率的變化趨勢,即戰(zhàn)略群轉換對技術效率和全要素生產率Malmquist指數的影響是否顯著。實證研究發(fā)現(xiàn),商業(yè)銀行的戰(zhàn)略群類型是銀行技術效率的顯著性影響因素,不同戰(zhàn)略群的效率分布差異顯著,同時,商業(yè)銀行從一個戰(zhàn)略群向另一個戰(zhàn)略群的轉換會降低商業(yè)銀行的技術效率進步,會妨礙商業(yè)銀行生產技術的改進,最終影響全要素生產率的提高。 本章同時檢查了商業(yè)銀行資產質量和核心資本充足率對于商業(yè)銀行技術效率及其動態(tài)變化的影響。研究發(fā)現(xiàn)資產質量與商業(yè)銀行技術效率當期之間的聯(lián)系不顯著,但是資產質量的變化會影響商業(yè)銀行技術效率和規(guī)模效率的改進,最終影響全要素生產率的變化。核心資本充足率和商業(yè)銀行技術效率之間存在顯著的聯(lián)系,核心資本充足率會降低當期的技術效率、純技術效率和規(guī)模效率,但是提高核心充足資本不會顯著影響全要素生產率的改進。 第七章：案例分析,該部分內容分別以典型銀行中國工商銀行和興業(yè)銀行為例,分析了領先性銀行和特色性銀行的戰(zhàn)略內容,并結合實際數據分析兩家典型銀行的戰(zhàn)略執(zhí)行度。按照戰(zhàn)略群劃分,中國工商銀行和興業(yè)銀行分屬于領先銀行戰(zhàn)略群和典型銀行戰(zhàn)略群,但兩家銀行的共性是,2006-2010年沒有發(fā)生過一次戰(zhàn)略群轉換。數據分析表明,中國工商銀行和興業(yè)銀行都切實地—以貫之地執(zhí)行了公司的戰(zhàn)略,最終取得不凡的銀行績效。 第八章：總結論文。該部分總結了論文所做的全部工作,梳理了論文得到的全部結論,并最后提出一些研究啟示。 論文的創(chuàng)新之處有： 1.本文是國內第一篇研究我國商業(yè)銀行戰(zhàn)略群以及檢驗銀行業(yè)戰(zhàn)略與效率的博士學位論文,論文通過實證分析發(fā)現(xiàn)了我國銀行業(yè)存在的四類戰(zhàn)略群,總結了每一戰(zhàn)略群的戰(zhàn)略特征并命名。論文的研究將有助于理解我國銀行業(yè)的產業(yè)結構,有助于指導商業(yè)銀行更科學地制定戰(zhàn)略轉型或同業(yè)競爭策略。 2.本文將戰(zhàn)略群分析與前沿效率分析相結合,使用前沿技術效率取代利潤率衡量績效,檢驗戰(zhàn)略群類型與技術效率、純技術效率、規(guī)模效率的關系,極大地拓展了戰(zhàn)略群與績效的關系研究,根據最新的一次文獻檢索,目前還發(fā)現(xiàn)類似的研究。 3.依靠技術效率的Malmquist指數,建立戰(zhàn)略群轉換與效率變化的聯(lián)系,將戰(zhàn)略群與績效的關系的靜態(tài)考察推向動態(tài)分析,是關于戰(zhàn)略群動態(tài)研究的一項有意義的創(chuàng)新和探索。 4.關于商業(yè)銀行戰(zhàn)略變量和投入產出指標的選擇,是論文基于先前研究文獻所作的創(chuàng)新,變量和指標既符合相關理論,又比較切合現(xiàn)代商業(yè)銀行的戰(zhàn)略方面和經營活動特征,是相關研究領域的有益創(chuàng)新和進展。
[Abstract]:In 2006 -2010, to meet the banking market fully open to foreign banks, great changes have taken place in China's banking market, the banking system around from corporate governance, development strategy, business philosophy, multiple levels of incentive and restraint mechanism to seek a breakthrough. The strategy of "transformation" was put forward in many commercial banks, as a strategic goal. In particular, the commercial bank capital management after the financial crisis, the Basel agreement and the China CBRC launched "(Trial) > increases the risk of commercial bank capital requirements, domestic commercial banks strategic transformation calls for more, change the mode of growth, reduce the capital occupied higher business development, capital intensive business, has become a consensus China banking at present. China's commercial banks has just set up a modern banking system soon, bank strategic management lag, the homogenization of competition, lack of differentiated products and services, small and medium-sized joint-stock The strategic orientation of commercial banks is confused, and city business banks do not know where to go in the future. All kinds of problems are almost the widespread impression of the domestic banking industry to the public, but also the open hot issues.
This paper is concerned, following the restructuring of China's commercial banking industry, after a series of important initiatives to introduce strategic investors and strategic transformation, the development strategy of China's banks is homogenous or heterogeneous? What kind of strategic banks do well? Strategy can predict the efficiency of a certain level? In other words, our internal banking industry exists some pursue different strategic strategic groups? Whether the bank still has strategic homogenization, homogenization of products and services of commercial banks? In addition to state-owned, joint-stock, label regional banks that, whether there is no other difference? In order to solve these questions, based on the strategic group based on the theory analysis, the structure of China's banking market, and try to examine the relationship between commercial bank strategy types and the efficiency of the bank, and the commercial bank strategic change or strategic transformation will be on the bank efficiency The impact of it.
The thesis is divided into eight chapters. The main contents of each chapter are as follows:
The first chapter: introduction, the main content is introduced the significance of the topic and related research, through the introduction of the background of the strategic group of commercial banks and the relationship between test group and the strategic significance of efficiency. The introduction also explains the basic logic of this thesis, the combination of normative analysis and empirical analysis, firstly based on the theory of put forward the research hypothesis and research framework, and then step by step through the empirical analysis to prove proposition or test conditions. The introduction part of the end part of the report and lack of innovation.
The second chapter: the theoretical basis, the main content is the basic theory study on the basis of combing the thesis, through the deduction and comparison of the concept, definition of specific theory or final reference basis. First, through reviewing the development of strategic theory, the strategic understanding for a company or organization management structure of the organization in order to achieve organizational vision make the resource allocation structure, long-term planning of the product or service structure and target market structure, which combines Gerry Johnson and Kevan Scholes of the corporate strategy and content of enterprise strategy, including enterprise financing, resource allocation, customer structure, product structure and so on. Secondly, through the strategic group theory. In this paper, from the perspective of industrial clusters based on strategic economic understanding, rather than from the cognitive perspective of defining and explaining the strategy of enterprise groups, although the latter is reasonable. At the same time, a strategy Comparison of cluster analysis technology, this paper will select a number of key strategic variable analysis division of China's commercial banks strategic groups using multivariate statistical analysis, the specific process will use factor analysis and cluster analysis technology. Thirdly, through efficiency and bank efficiency theory review and literature review, clearly pointed out that the technical efficiency of the banks is a kind of efficiency frontier, frontier efficiency benefits is to reflect the financial and operating performance of commercial banks, and can be further decomposed more. The purpose of the study is based on the paper will choose to use the data envelopment analysis (DEA) method to evaluate technical efficiency of the banks in China. The literature review about the efficiency of that right the importance of choosing the evaluation index of frontier efficiency.
At the end of this chapter summarizes the relationship between strategic groups and business performance, especially the strategic group between the stable show differences in performance, this is a very attractive research topic. However, a lot of empirical analysis shows that there is a certain mapping relation between strategic groups and performance, although many empirical analysis of performance differences between strategic groups significantly. Through this chapter combing, clear the research goal and task, is through empirical analysis to explore and test: first, China's banking industry is the strategic group, if there is a key strategic variable strategy group, different strategic groups must show significant difference; two. If there is a strategic strategic group, group type and bank efficiency of the existence of a stable relationship, if it exists, is that we have the mobile banking internal barriers, these internal mobility barriers to ensure that every The strategic group has a stable and stable expected performance, and the strategic groups with different performance levels constitute the ecosystem of the banking industry.
The third chapter: the analysis framework is the main content is the basic description of the definition and selection of the main concepts and research framework of the thesis and the main method, and the later chapters of the empirical analysis and logical method. This chapter first cleared the concept of strategic group based on industrial economic theory, not strategic group concept from a cognitive perspective based on the strategic group defined by Potter (1979) and YamiBenavent (2000) definition of strategic group analysis, ideas of strategic group selection key strategic variable, using analysis method of multivariate statistical classification strategy.
This chapter presents the strategic variable selection will be based on the connotation of strategy and strategy group, the three strategy includes the contents of the commercial banks, namely the strategic asset (investment strategy), debt strategy (financing strategy), revenue strategy, specific strategic variables based on commercial bank balance sheet and income statement construction, finally adopted strategic analysis division group hierarchical clustering algorithm of cohesion.
This chapter defines the connotation of technical efficiency and the decomposition of the Farrell definition, evaluation method using CCR and BCC model of data envelopment analysis, variation of technical efficiency is the use of Malmquist index measurement. This chapter thinks that the technical efficiency evaluation index selection is very important, by comparing the six kinds of commonly used input-output index selection method is proposed. According to the modern commercial bank management reality production method to choose the bank input and output indicators, and ultimately determine the input factors of commercial banks is the core capital, human capital and management fees, but by the availability of data, input indicators technical efficiency evaluation is ultimately the net core capital, business and management fees (including staff salaries); output indicator is the net interest income of traditional deposit and loan business and money creation, fee and commission income and intermediate business creation, after People almost make up all of the non - interest income.
The third part of this chapter is put forward on the relationship between strategic groups and the efficiency of the two hypothetical proposition, the first proposition is between the commercial bank strategic performance heterogeneity, strategic group internal performance homogeneity, proposition second is the strategic transformation of commercial banks (for strategic conversion) will lead to the decline of the efficiency of commercial banks. At the same time, the empirical part will test the level of capital adequacy, the loan quality will affect the efficiency of commercial banks.
The fourth chapter: strategic group analysis, this chapter on the basis of the third chapter the definition of commercial bank strategic variables, using panel data from the annual report of the bank consolidation strategy variable sample bank set, then principal component analysis and factor analysis using the extraction more significant minority from many strategic variables in the variable, variable dimension reduction strategy, finally using cluster analysis found that China's banking industry there are four strategic groups. Based on the score of each group on the strategic factor of the main features of inductive summary of different strategic groups, the four strategic groups were named as: the traditional banking strategy group (CITIC Bank as the representative), multi bank strategy group (Fuzhou bank as the representative), leading the bank's strategic group (industrial and Commercial Bank of China as the representative), the characteristics of banking strategy group (with the bank as the representative).
The innovation of the empirical analysis includes three aspects: one is the clustering analysis by using mixed data to examine the dynamic changes of strategic structure; two is the empirical analysis reveals that China's commercial banking industry has four different characteristics of the strategic group, and according to the characteristics of strategic variables named.
The fifth chapter: the technical efficiency evaluation, input-output index system of this chapter on the basis of the third chapter the definition of the commercial bank, the bank annual report obtained the panel data of input and output variables to evaluate the efficiency of China's commercial banks set, and then use the Deap software to evaluate the technical efficiency of China's banking business on behalf of 2006-2010 years (including pure technical efficiency and the scale and efficiency of the Malmquist index). The results show that the evaluation of technical efficiency and technical efficiency of China's banking industry, the average value of pure technical efficiency and scale efficiency were approximately 0.90,0.93,0.96, and the country has the efficiency of holding large commercial banks value higher than joint-stock commercial banks; Malmquist index analysis showed that the technical efficiency of 2006-2010 China's banking sector, pure technical efficiency, scale efficiency, technology change and total factor productivity are increased, large commercial banks The progress of production technology to promote the continued continued to improve the TFP of large commercial banks, but also to ensure that the main power of TFP in China's banking industry to improve. However, in addition to the production technology of the Malmquist index, the large state-owned commercial bank efficiency Malmquist index was not significantly higher than that in common joint-stock commercial banks.
The innovation of this chapter is to evaluate the technical efficiency of commercial banks input-output index selection, to better seize the core of commercial bank operation. Modern commercial bank is a diversified financial services investment and financing intermediary business of commercial banks, lending Xichu is the most primitive, not all commercial banks. The current international and domestic bank regulators have increased the regulation of capital adequacy requirements, strategic transformation is the inevitable choice of commercial banks, commercial banks will try to control the loan capital high traditional business, looking for a capital intensive road use.
The sixth chapter: to analyze the relationship between commercial bank strategy and bank efficiency demonstration. This chapter is the key part of the thesis. This chapter includes two parts: one is the static analysis of the relationship between commercial bank strategic groups and technical efficiency, through empirical analysis, test of technical efficiency and technical efficiency change trend of different the strategy of China's commercial banks whether there are significant differences; two, from the perspective of the dynamic change trend, whether the commercial bank strategic group conversion will affect the technical efficiency and total factor productivity, namely strategic group conversion effect on technical efficiency and total factor productivity Malmquist index is significant. The empirical study shows that commercial bank strategic types are significant factors that influence the technical efficiency of banks, the efficiency of distribution between different strategic groups significantly, at the same time, the commercial bank from a strategic group The transformation to another strategic group will reduce the technical efficiency and progress of commercial banks, which will hinder the improvement of commercial banks' production technology and ultimately affect the improvement of TFP.
This chapter also examined the impact of commercial bank asset quality and core capital adequacy ratio for commercial bank technical efficiency and its dynamic change. The study found that between the commercial bank asset quality and technical efficiency of current relationship is not significant, but the improvement of asset quality changes will affect commercial bank technical efficiency and scale efficiency, and ultimately affect the

【學位授予單位】：西南財經大學
【學位級別】：博士
【學位授予年份】：2012
【分類號】：F832.33

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