技术创新、效率改善与商业银行全要素生产率差异化增长

采用非参数Malmquist DEA前沿分析方法对中国41家不同类型的商业银行2000—2018年间的全要素生产率进行实证研究。研究结果表明，中国不同类型商业银行全要素增长率不仅存在明显的差异性，而且导致这种差异化增长的决定因素也各不相同：技术创新对全国性股份制商业银行全要素生产率的快速增长贡献率最高；区域性商业银行则更多地受益于自身的效率改善；国有控股商业银行在技术创新和效率改善上都低于平均水平，因此增长率相对较低。研究结论对我国商业银行在新常态下增加技术投入、加强技术创新并改善经营效率，借助创新驱动实现可持续的中高速发展提供参考借鉴。

Technology Innovation, Efficiency Improvement and Differentiated Total Factor Productivity Growth of Commercial Banks

The paper empirically studies the total factor productivity (TFP) growth of 41 commercial banks in China from 2000 to 2018 with non-parametric Malmquist DEA frontier analysis. The outcome shows that there exists obvious differentiated TFP growth among different types of commercial banks in China, and the key factors resulting this differentiated growth are also quite different: technology innovation contributes the most for the TFP growth of the nationwide joint-stock commercial banks; the regional commercial banks benefit more from their own efficiency improvement; while the giant State-Owned commercial banks perform below the average in both technology innovation and efficiency improvement, thus have a relatively lower growth rate. The conclusion can provide a reference for commercial banks in China to achieve sustainable medium-high rate of growth through innovation-driven by increasing technology input, enhancing technology innovation and improving operating efficiency.