The Study On The Efficiencies And Factors Influencing Efficiencies Of Chinese Commercial Bank—based On Network SBM-malmquist Model

At present,Our country economical speed-up postpones.The rise of financial disintermediation and internet finance has posed a great challenge to the profitability profit pattern and Spreads of Chinese commercial banks.Facing complicated rigorous and changing operational environments,our commercial banks are in an urgent need to enhance performance to come into prominence understand competitive situation,So it is imperative to study the efficiency problem as well as its influencing factor of the commercial bank.Fierce competition in Chinese banks begins to have the peak of performing loans in many regions.However,while the Chinese commercial bank expands rapidly,it ignores the adjustment and betterment of the credit industry structure of banks.There are obvious defects and imbalance on the credit industry structure of banks.Nonperforming loans increase.The investment risk is constantly rising,while loan benefits drop year by year.In this case,how to control the loan orientation and optimize the asset structure that could be the most important task in bank credit.This article takes the 18 nationwide joint-stock commercial banks as an example.The risk indicator(Non-performing loans ratio among different periods)is used as input and output factors in a framework of our commercial banks performance evaluation.This article uses the network SBM mode which Consider both the super efficiency and the undesirable outputs to calculate the stage production efficiency of commercial bank from the perspective of the static state.And the outcome: the super-efficiency values of 14 commercial banks in China are bigger than 1.They are DEA efficiency.This shows that the operation mode of commercial banks in China is good.Their resources allocation capability and management capability is higher.Commercial banks with higher non-performing loan ratios in input and output elements rank poorly.Then it uses the Malmquist index and its decomposition index to study sustainability issues of commercial banks efficiency in 2011-2016 from the perspective of the dynamic state.It reveals the development of Chinese commercial banks from microcosmic angle.The research shows that Trend of Malmquist index approximately agreed with the technology change index.The change of Malmquist index in each year mainly relies on the change of the technical change index.The proportion of the six major industries and total loans is taken as a quantitative index of the customer credit structure.It analyzes experimentally the influenceof commercial bank credit industry structure towards the financial performance.The outcome: wholesale and retail trade,the real estate industry,transportation,warehousing postal services and productivity exist significant positive relationship,but manufacturing and electricity,heat,gas and water supply show a significant negative relationship,in addition,water conservancy,environment and public facilities and personal loans have no significant effect on the efficiency of Chinese commercial banks.Finally,this paper puts forward the ways to improve the performance of Chinese commercial banks from credit level.Based on the above analysis,the following policy recommendations are as follows:Chinese commercial banks should improve their management level.They should enhance their own ability to withstand risks and reduce non-performing loan ratio.Technology level is still the core strength in bank current and future competition.Chinese commercial banks should accelerate reform and innovation and work hard to improve the level of technology.In the direction of the credit industry,Chinese commercial banks should optimize the disposition capital of the credit industry and keep credit industry under reasonable control.The loan should be projected in the right industry for enhancing performance.