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文章运用全组合DEA-PCA模型对中国16家上市银行的经营绩效增长模式进行实证研究。通过分析发现:各上市银行在是否引入网络方面,其绩效评价结果存在显著差异;中国上市银行的增效模式大致可分为“网络业务导向型”和“传统业务导向型”两大类。部分上市银行致力于互联网金融创新提高其经营绩效;而另一些上市银行仍主要依靠传统业务维持经营绩效。在此基础上,文章将中国上市银行划分为“偏重网络业务型银行”“偏重传统业务型银行”“重视网络业务发展但传统业务负担过重型银行”和“网络业务与传统业务并重型银行”四个组群,研究分析不同组群的上市银行的经营模式特点和优劣势,并针对不同银行组群的特点提出相应的增效建议。
The article uses the all-encompassing DEA-PCA model to make empirical research on the operating performance growth model of the 16 listed banks in China. Through the analysis, it is found that the performance evaluation results of listed banks in China are significantly different in terms of whether or not they are brought into the network. The efficiency models of Chinese listed banks can be broadly divided into two categories: “network business oriented” and “traditional business oriented” Category. Some listed banks are committed to Internet finance innovation to improve their operating performance; while other listed banks still rely mainly on traditional businesses to maintain their operating performance. On this basis, the article divides the listed banks in China into “emphasis on network business banks”, “emphasis on traditional business banks”, “emphasis on network business development but overburdened with traditional businesses overweight banks” and “network businesses And the traditional business and heavy banks ”four groups, study and analyze the characteristics and advantages and disadvantages of the business models of listed banks in different groups, and put forward corresponding synergistic suggestions according to the characteristics of different bank groups.