Assessing The Efficiencies In China Commercial Banks--The Application Of A DEA Approach With Assessing The Efficiencies In China Commercial Banks

Commercial banks, as the main capital distributing organization in the economic activity, is the most important composition in finance system in many nations. Especially after joining into WTO,China will allow American banks get full entrance to market in 5 years, according to the WTO agreement text China and American have come to. In 2 years, foreign banks can make RMB operation with Chinese enterprise; and 5 years with Chinese civilian. Also the restriction on geography and client will be abrogated. For example non-bank finance institution, financial corporation may provide auto financing. Obviously, in the future years, China banking will gradually develop from wholesale business to retail one, spreading from central cities to economical regions, and expanding from banking institutions to non-banking financial organizations, which means our banking system will be close to an omni directional opening phase after formally becoming a member of WTO.We can get benefit from advanced management models and marketing ways after foreign capital banks' entering, which will promote financial competition and improve service standard. Meanwhile, importance should also be attached to the abundant capital strength, healthy operation system, various financing types and benign personnel structure that must be brand-new challenges to banks of China. Therefore, it's necessary for us to continue the basic direction of marketing, fatherly deepening reform of financial system and financing models, enriching capital reserve, cultivating a mature financial market, and innovating financial service., and to enhance the entire efficiency of commercial banks in our country.The article introduces the feature, classification and system of commercial bank firstly. According to the classification on system, selecting 3 types 7 banks as samples, subsequently it presents the meanings of commercial banks efficiency and some common ways assessing it. On the basis introducing DEA,it presents its advantages and a few typical models. For the emphasis is the assessment of commercial banks technical efficiency, we choose the C2GS2 .Making use of the historical data in 2002 ,we get the relative efficiency value about 7 banks, analyze the data fully, gain the effect property rights structure have on the commercial banks efficiency, hereon receive the existing value of finance holding company at present.The main conclusion and achievements:(1)The efficiency of joint-stock commercial banishes newly joint-stock commercial banks, exceeds state commercial banks. But state commercial banks occupy the absolute market shares, the reform emphasis lies on property rights structure, not on market structure.(2)Setting eyes on the changes of the ratio of bad property and mid- operation revenue when selecting the assess indexes, we put them into the index system. On one hand ,the fall-and-up show the function of the assets manage corporation in commercial banks, esp state commercial banks. On the other hand, it also indicates that the business ranges have transit form the traditional business to mid-business, and improve the managical quality.(3)With the theory property rights structure explain the problem of commercial banks efficiency, hereon we put forward the existing value of finance holding companyThe paper put forth exertion financial theories economic theories and management tools with DEA model. The paper gleans original data and finds efficiency data. Because of the data, the result is close to actualities of commercial banks .The paper makes us whole cognitions and have guidance purport to put forward innovational projects of china, commercial banks...