중국 상업은행 효율성 분석 = Technical Efficiency, Pure Technical Efficiency and Scale Efficiency of Chinese Commercial Banks

다국어 초록 (Multilingual Abstract)

The purpose of this paper is to estimate technical efficiency, scale efficiency, and pure technical efficiency by 3 inputs and 2 outputs of Chinese commercial banks. Depending on the non-parametric methods(DEA), we estimate technical efficiency using inputs and outputs of 12 Chinese commercial banks without assuming price of goods or behavior of optimization. The average technical efficiency of total banks under constant return to scale and weak disposability is 0.54 in 2004. The technical inefficiency was caused by 4.3% in pure technical inefficiency and 63% in scale failure. The empirical results show that inefficiency has much more to do with the scale of production rather than the inefficient utilization of resources, and the banks under decreasing return to scale occupies almost 70% of total banks, implying those should reduce their production scale. This evidence is more obvious in state owned banks.