| 摘要: |
| 新兴金融、互联网金融发展不断倒逼着银行业必须提高效率，而服务能力、信贷环境是银行效率提升的关键因素。本文运用数据包络分析方法和广义相加模型，对特定信贷环境中银行效率与服务能力的关系假设进行检验。实证结果表明，银行的信贷供给和服务配送能力对银行效率的提升具有正面影响，但信贷供给能力对银行效率的提升作用存在上限边界约束，而服务配送能力对银行效率的提升作用则受到下限边界约束；银行效率对信贷环境变化的动态响应呈“S”型变动特征。 |
| 关键词: 银行效率；服务能力；信贷环境 |
| DOI： |
| 分类号: |
| 基金项目:本文得到了国家社科基金项目(15BJY170)“普惠性农户信贷服务体系建设与创新研究”和重庆市人文社会科学重点研究基地项目(14SKB050)“卓越农林人才教育培养模式建设与创新研究”的资助。 |
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| Service Ability, Credit Environment and Bank Efficiency |
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Gao Yunfeng, Li Huashi
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(College of Economics & Management, Southwest University)
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| Abstract: |
| Service ability and credit environment are key factors in improving bank efficiency. Banks have to increase their efficiency when they face the competition from new type finance and online finance. This paper examines the relationship between the bank efficiency and services ability in specific credit environment based on data envelopment analysis and general additive model. The research results show that bank's loanable fund supply and service delivery ability have positive effects on bank efficiency, but the effect from loanable fund supply ability has top limit and that from service delivery ability has bottom limit. The dynamic moving of bank efficiency follows "S" curve with the credit environment changes. |
| Key words: Bank Efficiency；Service Ability；Credit Environment |
