国有商业银行开展手机银行业务前后的绩效研究——基于DEA模型的实证分析

摘要

手机银行作为一种新的支付手段,在减少成本,提高经营效率方面具有巨大的优势。文章基于包络数据分析法（DEA）模型,从决策单元有效性和规模效益两个角度对我国四大国有商业银行的运营效率进行实证分析,通过对四家银行的效率比较,发展模式和状况比较,为手机银行在我国商业银行的发展提出了对策和建议。%Mobile phone bank, as a new means of payment, has a great advantage in reducing cost and improving the management efficiency. Based on data envelopment analysis (DEA) model, this paper analyzes empirically four big state-owned commercial banks' operation efficiency in our country from the angles of deci- sion unit effectiveness and scale benefits. Through the comparisons of the four banks' efficiency, mode and status of development, the paper puts forward some countermeasures and suggestions for mobile phone bank in our country commercial bank's development.