Operational Efficiency of Commercial Banks'Financial Inclusion Business under the Principle of Sustainability
In recent years,China's commercial banks have actively undertaken and continuously expanded inclusive financial services,which has also triggered a debate between welfarism and institutionalism about whether inclusive financial services should be pursued sustainability.Based on the principle of sustainability,this paper takes the operational efficiency of inclusive financial services of 25 commercial banks in China from 2017 to 2022 as the research object,and uses the three-stage DEA static model and DEA-Malmquist dynamic model to measure it.The main conclusions are as follows:From the perspective of the three-stage operation efficiency of inclusive financial business,state-owned commercial banks are higher than joint-stock banks and higher than urban commercial banks;From the perspective of dynamic operational efficiency changes,under the profound impact of technological progress,banks should continue to strengthen scientific and technological support,while taking measures in product service innovation,risk management,cost control and other aspects.
NETL
NSTL
万方数据
