【作者】 赵瑞；

【导师】 余江；

【作者基本信息】 西南交通大学 ， 产业经济学， 2008， 硕士

【摘要】 近年来,由于中国与印度始终保持高速的经济增长,对世界经济产生日益重要的影响,因此,对于“龙”和“象”的比较分析成为人们关注的焦点。而促进银行业发展、推进银行业改革是中印国经济持续稳定发展的重要保证,尽管两国银行改革取得了很大的成绩,但是由于国家所有权将继续在银行业中占主导地位,中印两国所面临的主要挑战,是如何推动银行的商业化运作,提高商业银行的效率,进一步加快改革的步伐,促进国民经济的健康发展。本文以中国和印度商业银行间效率比较作为研究主题,也正是希望在这一方面做一些有益的探索。本文在选取2002-2005年中印商业银行的相关指标数据的基础上,首先,从财务指标上对银行效率进行初步的分析,考察了静态的银行效率;其次,应用非参数绩效评价方法—数据包络分析(DEA)方法,重新界定银行业投入、产出的变量,建立DEA测算模型,从营运能力、获利能力、增长能力三方面测算了中印两国商业银行的DEA效率值,并将技术效率分解为规模效率和纯技术效率进行分析;然后,运用基于DEA模型的Malmquist指数测度了中印商业银行效率的动态变化,并进一步把指标分解为技术变化和效率变化指数进行分析;最后本文在对影响中国商业银行(主要是国有银行)效率的微观因素进行定性分析的基础上,提出中国进一步提升的途径,冀望能为提升中国商业银行尤其是国有商业银行的效率尽一份绵薄之力。更多还原

【Abstract】 In recent years, because China and India maintained the high speed economical growth throughout, had day by day the important influence to the world economics, therefore, "dragon" and "elephant" the comparative analysis become the focus that people pay attention to. And how to promote the banking industry to develop and the advancement banking industry reform is the important guarantee which the China and India country economy continues to develop stably. Although both countries bank reform has obtained the very big result, but because the national property rights will continue in the banking industry to occupy the dominant position, China and India will face the main challenge, how to impel the commercialization operation of the bank, and enhance the commercial bank the efficiency, which further will speed up the pace of reform, will promote the national economy healthy development.This article takes the research subject by Chinese and the Indian Commercial bank between the lines efficiency comparison, which also is precisely the hope that makes some beneficial explorations in this. This text carries on initial analysis to the bank efficiency from the finance index sign firstly, base on the related index sign data of commercial bank in the selection 2002-2005 years and investigated the bank efficiency of static state;Secondly, use the method-data of the efficiency evaluation of the application non- parameter--data Envelopment Analysis(DEA) method and redefine the measure varible of banking input and output, build up DEA models to calculate the efficienfies, compare the DEA efficiencies of two country commercial banks value from the operation ability, the accrual ability, the growth ability three aspects, and resolve the technique efficiency as scale efficiency and pure the technique efficiency carrying on analysis;Then, use the Malmquist index basing on DEA model to calculate the dynamic variety of commercial bank efficiency, and resolve the index sign further as technique efficiency variety and efficiency variety to carry on analysis;finally, basing on the qualitative analysis foundation of influences of the micro factor of Chinese commercial bank(mainly stateowned bank) efficiency, put forward the path that China promotes further the efficiensy of the Chinese commercial bank, look forward to do a humble effort for promoting the Chinese commercial bank , particularly stateowned commercial bank, to the utmost efficiency.更多还原