摘要
运用DEA数据包络分析法,通过对工商、建设两家大型商业银行和其它八家中小银行支持中小企业信贷效率的实证分析,发现大型商业银行比中小商业银行更适合对中小企业贷款。大型商业银行应转变经营理念,拓展对中小企业信贷业务;加强金融技术创新,人员培养;优化资源配置,提高组织效率。
Using the DEA analysis method,this paper analyzes the financing efficiency of two large commercial banks and other eight small and medium-sized banks to support the small and medium-sized enterprises（SMEs）,and the result shows that large commercial banks are more efficient than small and medium-sized commercial banks in the SMEs credit supporting.Large commercial banks should change their business philosophy,to expand the business on SMEs credit;strengthen financial technology innovation and personnel training;optimize the allocation of resources to improve organizational efficiency.
出处
《湖南财政经济学院学报》
2013年第2期92-97,共6页
Journal of Hunan University of Finance and Economics
基金
湖南省社会科学基金项目"推进长株潭先进制造业发展政策体系研究"(项目编号:11YBA155)阶段研究成果之一
