Nội dung được dịch bởi AI, chỉ mang tính chất tham khảo
Đánh giá hiệu quả quản lý tài nguyên và lợi nhuận của các ngân hàng thương mại Hoa Kỳ từ góc độ mạng động
Tóm tắt
Khái niệm trung tâm của benchmarking chiến lược là hiệu quả quản lý tài nguyên, điều này cuối cùng dẫn đến lợi nhuận. Tuy nhiên, còn rất ít thông tin về đo lường hiệu suất từ những quan điểm dựa trên tài nguyên. Nghiên cứu này sử dụng mô hình phân tích dữ liệu (DEA) với cấu trúc mạng động để đo lường hiệu quả quản lý tài nguyên và lợi nhuận của 287 ngân hàng thương mại của Hoa Kỳ từ năm 2010 đến 2020. Hơn nữa, chúng tôi cung cấp các dự đoán biên và kết hợp năm biến số: khả năng vốn, chất lượng tài sản, chất lượng quản lý, khả năng sinh lời và tính thanh khoản (còn được gọi là xếp hạng CAMEL). Kết quả cho thấy rằng còn 55,4% tiềm năng cải thiện hiệu suất ngân hàng. Thêm vào đó, chúng tôi phát hiện rằng xếp hạng CAMEL của các ngân hàng hiệu quả thường cao hơn so với các ngân hàng không hiệu quả, và chất lượng quản lý, chất lượng thu nhập cũng như tỷ lệ thanh khoản đều có tác động tích cực đến hiệu suất ngân hàng. Hơn nữa, các ngân hàng lớn thường hiệu quả hơn so với các ngân hàng nhỏ. Tổng thể, nghiên cứu này tiếp tục cuộc tranh luận gay gắt hiện nay về đo lường hiệu suất trong ngành ngân hàng, đặc biệt tập trung vào ứng dụng DEA để trả lời câu hỏi cơ bản về lý do tại sao hiệu quả quản lý tài nguyên phản ánh các công ty chuẩn và cung cấp cái nhìn sâu sắc về cách quản lý hiệu quả các xếp hạng CAMEL sẽ giúp cải thiện hiệu suất của họ.
Từ khóa
#quản lý tài nguyên #ngân hàng thương mại #hiệu quả #xếp hạng CAMEL #phân tích dữ liệuTài liệu tham khảo
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