Abstract: Based on DEA models and loose variables techniques, analysis of Chinese banks efficiency shows that the primary problems are: the lower efficiency of the four-big state-owned banks than other joint-stock banks; excess labors, especially the four-big state-owned banks; deficiency of effective supply of financial services and obviously reluctance to lend; and deficiency of profits, etc. Solving all these problems, this paper believes, should be the key to Chinese banks reforms.

Key words: Chinese banks, DEA efficiency, loose variable

摘要： DEA模型和松弛量分析等技术性手段,运用于我国银行业的效率研究有利于发现我国银行业目前所存在的问题四大国有银行的效率明显低于其他股份制银行;银行业普遍存在劳动力冗余现象,其中四大国有银行尤为严重;金融服务有效供给不足,存在明显的惜贷现象;利润创造不足;等等。如何解决这些问题应成为我国银行业今后改革的重点。

关键词: 中国银行业, DEA效率, 松弛量