Abstract: This paper uses data envelopment analysis to calculate the technological progress, capacity utilization and production efficiency of major industries in China, and applies these indicators to measure industry's development quality. Based on this, it further uses the data of 84 commercial banks in China to study the relationship between bank's loan volume of the highest concentration's quality and industry's development quality to examine the bank's loan efficiency, and explore the differences in the loan efficiency of banks with different property structure. The findings of the study are as follows: firstly, China's banks can basically allocate credit resources according to industry's technological progress and production efficiency, banks' loan efficiency is relatively high, but banks are not sensitive to the industry's capacity information; sencondly, state-controlled banks can provide more loans to industries with higher development quality and their loan efficiency is higher, whereas non-state-controlled banks do not allocate more credit resources to industries with higher development quality and their loan efficiency is lower. Therefore, classified credit guidance should be provided to banks with different property structures structures, so as to help them better serve the real economy.

Key words: Development Quality, Bank Property Structure, Loan Efficiency

摘要： 本文采用数据包络分析方法计算我国主要行业的技术进步、产能利用率变化和生产效率变化,并以此衡量行业的发展质量,在此基础上,采用我国84家商业银行的数据,探究银行是否根据行业的发展质量进行信贷决策以考察银行的贷款效率,并研究不同产权性质的银行在贷款效率方面的差异性。研究发现:我国商业银行基本能根据行业的技术进步和生产效率信息配置信贷资源,贷款效率较高,但银行对行业的产能利用信息不敏感。国有控股银行能向发展质量更高的行业供给更多的贷款,贷款效率较高;而非国有控股银行没有向发展质量更高的行业提供更多的贷款,贷款效率较低。因此,要使银行更好地服务实体经济,需对不同产权结构的银行进行分类信贷指导。

关键词: 发展质量, 银行产权结构, 贷款效率