经济与管理研究2016，Vol.37Issue(10)：31-41,11.DOI:10.13502/j.cnki.issn1000-7636.2016.10.004
创新驱动的银行绩效增长模式--以民生银行为例
Innovation-driven Bank Performance Growth Mode-Taking Minsheng Bank as an Example
摘要
Abstract
Based on the symbiotic theory of economic growth,this paper establishes a bank performance (operating income)growth mode,embodying such factors as financial system innovation,financial human capital innovation and financial technology innovation,and measures the contribution rate of system innovation in bank performance growth by the DEA method.Empirical analysis of Minsheng Bank shows that financial innovation is the main driving force for the rapid growth of bank performance,which also greatly enhances the risk resistance capacity of the bank.It is thus demonstrated that in the favorable economic environment,if the bank operates prudently,financial innovation is in accordance with the principle of incentive compatibility,which shows at the same time that such theories as“wealth growth theory”,“restraint induction theory”,and “avoidance control theory”are one-sided and are not applicable to the whole banking sector. Besides,it is also found that in 2013,the scale income of Minsheng bank declined greatly,as for the transition period,in order to promote the transformation of Minsheng Bank,some comprehensive innovation countermeasures are put forward, after drawing lessons from the experience of Wells Fargo of the United States of America.关键词
金融创新/银行绩效/民生银行Key words
financial innovation/bank performance/Minsheng Bank分类
管理科学引用本文复制引用
李怀,蒋雨亭..创新驱动的银行绩效增长模式--以民生银行为例[J].经济与管理研究,2016,37(10):31-41,11.基金项目
东北财经大学产业经济学特色重点学科资助项目“公共安全规制理论与政策” （）
