地理学报 ›› 2015, Vol. 70 ›› Issue (6): 955-964.doi: 10.11821/dlxb201506009
收稿日期:
2014-12-19
修回日期:
2015-04-02
出版日期:
2015-06-20
发布日期:
2015-06-20
作者简介:
作者简介:戴志敏(1960-), 男, 浙江杭州人, 教授, 博士生导师, 主要研究方向为金融地理与区域发展、金融市场与金融机构。E-mail:
基金资助:
Received:
2014-12-19
Revised:
2015-04-02
Published:
2015-06-20
Online:
2015-06-20
Supported by:
摘要:
商业银行的区域发展研究一直是金融地理研究中关注的重点。目前,对于商业银行贷款投放地理分散化程度能否为银行绩效带来正面的影响仍存在着一定的争议。本文在利用2007-2013年中国13家上市商业银行向各省投放的贷款数据,分析了大型商业银行和中小型商业银行的贷款投放地理分布特征及不良贷款的地理变化趋势的基础上,利用随机前沿分析方法(SFA)及Battese和Collie的基础模型构建超越对数利润函数模型,对商业银行贷款地理投放分散程度对银行利润效率的影响进行了实证分析。研究结果表明:① 商业银行提高贷款的地理投放程度有助于提升商业银行经营过程中的盈利和利润效率。② 大型商业银行由于受国家政策干预影响较大,贷款投放区域覆盖面更广,尤其是对中西部地区的贷款投放比例明显高于中小型商业银行,其平均利润效率一直高于中小型商业银行。但近年来,随着中小型商业银行贷款地理分散程度逐步提高,两者利润效率的差距逐渐缩小。③ 目前,中国部分中小型商业银行贷款业务依然以关系型为主,提高贷款的地理投放分散程度会降低其利润效率,应谨慎面对多元化经营问题,不可盲目随从。
戴志敏, 朱莉妍. 中国商业银行贷款地理分布对银行利润效率的影响[J]. 地理学报, 2015, 70(6): 955-964.
Zhimin DAI, Liyan ZHU. The influence of geographical distribution of commercial bank loan on the bank profit efficiency in China[J]. Acta Geographica Sinica, 2015, 70(6): 955-964.
表4
随机前沿分析结果
coefficient | standard-error | t-ratio | ||
---|---|---|---|---|
利润函数 | ||||
常数项 | -81.91194 | 0.94370 | -86.79862 | |
lnP1 | -3.96060 | 0.84378 | -4.69388* | |
lnP2 | 11.94231 | 0.69423 | 17.20230* | |
lnY1 | 4.06477 | 0.68306 | 5.95082* | |
lnY2 | -5.74492 | 0.16387 | -35.05868* | |
lnP1*lnP1 | -0.43525 | 0.05852 | -7.43753* | |
lnP1*lnP2 | 0.35610 | 0.18209 | 1.95561* | |
lnP1*lnY1 | 0.53582 | 0.20919 | 2.56138* | |
lnP1*lnY2 | -0.14641 | 0.12101 | -1.20990 | |
lnP2*lnP2 | -0.52401 | 0.10103 | -5.18671* | |
lnP2*lnY1 | 0.02267 | 0.43317 | 0.05233 | |
lnP2*lnY2 | 0.35344 | 0.15764 | 2.24201* | |
lnY1*lnY1 | -0.37189 | 0.36045 | -1.03176 | |
lnY1*lnY2 | 0.14001 | 0.25277 | 0.55391 | |
lnY2*lnY2 | -0.06447 | 0.09956 | -0.64755 | |
效率函数 | ||||
常数项 | 2.07661 | 0.28482 | 7.29100 | |
Z1 | -2.63906 | 0.59032 | -4.47057* | |
Z2 | -0.64578 | 0.15141 | -4.26512* | |
方差参数 | ||||
0.09671 | 0.00884 | 10.94371 | ||
0.99543 | 0.00073 | 1361.41720* | ||
其他信息 | ||||
LR | 50.67 | |||
平均技术效率 | 80.00% |
表5
2007-2013年所选样本银行利润效率(%)
2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 平均值 | |
---|---|---|---|---|---|---|---|---|
中小型商业银行 | ||||||||
平安银行 | 88.78 | 16.30 | 96.43 | 85.88 | 91.16 | 71.01 | 67.40 | 73.85 |
上海浦东发展银行 | 56.99 | 86.74 | 71.57 | 76.33 | 87.78 | 94.29 | 93.02 | 80.96 |
招商银行 | 96.68 | 98.12 | 70.29 | 78.35 | 88.24 | 94.65 | 86.01 | 87.48 |
华夏银行 | 54.07 | 59.72 | 44.98 | 53.45 | 62.64 | 66.00 | 71.06 | 58.85 |
兴业银行 | 97.99 | 98.65 | 84.50 | 75.70 | 80.58 | 79.58 | 80.22 | 85.32 |
民生银行 | 61.93 | 64.64 | 77.75 | 75.46 | 93.30 | 85.19 | 92.74 | 78.71 |
光大银行 | 64.00 | 76.44 | 57.85 | 74.93 | 82.62 | 79.09 | 82.85 | 73.97 |
中信银行 | 73.24 | 87.32 | 64.31 | 75.07 | 79.14 | 74.65 | 74.39 | 75.45 |
大型商业银行 | ||||||||
工商银行 | 91.15 | 94.33 | 92.34 | 98.69 | 98.60 | 97.47 | 95.58 | 95.45 |
建设银行 | 97.91 | 89.14 | 86.46 | 88.64 | 98.87 | 92.53 | 92.49 | 92.29 |
农业银行 | 97.71 | 79.49 | 92.30 | 92.99 | 86.68 | 88.54 | 96.15 | 90.55 |
中国银行 | 92.50 | 73.50 | 81.43 | 88.14 | 74.44 | 72.93 | 74.24 | 79.60 |
交通银行 | 73.09 | 70.00 | 63.70 | 66.48 | 74.26 | 63.24 | 61.62 | 67.49 |
平均值 | ||||||||
中小型商业银行 | 74.21 | 73.49 | 70.96 | 74.40 | 83.18 | 80.56 | 80.96 | |
大型商业银行 | 90.47 | 81.29 | 83.24 | 86.99 | 86.57 | 82.94 | 84.02 |
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