中国商业银行网点布局绩效研究——基于主要商业银行的比较

摘要

本文从商业银行盈利的角度，选取资产总额、分支机构数和员工人数作为投入指标，营业收入、贷款额作为产出指标，运用Malmquist指数对2006-2010年中国主要上市商业银行网点布局的效率进行评估。实证结果表明：2006-2010年，各商业银行Malmquist指数总体上呈小幅上升趋势，2009年和2010年大部分上市商业银行网点布局较为合理，且股份制商业银行的网点布局明显优于国有商业银行和城市商业银行。%From the perspective of commercial banks＇ profitability, selecting the total assets, number of bran- ches and number of employees as input indicators, operating income, and loan amount as output indicators, and using the Malmquist index to assess the efficiency of the network layout of major listed commercial banks from 2006 to 2010, The empirical results show that from 2006 to 2010, all commercial banks showed a slight upward trend in the overall Malmquist index, most of the listed commercial banks＇ network layout in 2009 and 2010 were more reasonable, and the network layout of the joint-stock commercial banks was significantly better than state-owned commercial banks and city commercial banks.