The Analysis Of The Efficiency Of State-owned Commercial Banks

As the department specialized in managing money, banks don't make substantial fortune, but they improve the allocative efficiency of substantial resources by providing service, thereby to promote the development of economy. So we should judge the value of banks from the angle whether they provide the service for substantial economy efficiently. That is, the standard to judge a bank should be its efficiency. In the process of propelling the reform of state-owned commercial banks, efficiency is the key of transformation from extensive management to intensive management. It's also the prerequisite of advancing the competitive ability of state-owned commercial banks. Therefore, it is of great meaning to analyze the efficiency of state-owned commercial banks .The frame of this dissertation is listed below.Firstly, we analyze the basic meanings of the efficiency and the efficiency of economy, and then we derive the concept of banking efficiency from them, analyze the meaning of banking efficiency. The theory development of banking efficiency about Marxism genre and western economies genre is also discussed.Secondly, We analyze the efficiency of the state-owned commercial banks from the angle of micro side and macro side respectively. In the process of micro positive analysis of state-owned commercial banks' efficiency, we apply the approach of Data Envelopment Analysis based on comparative efficiency to judge micro efficiency of the state-owned commercial banks. Then we get the conclusion: Thestate-owned commercial banks have the problem of wasting resources; There's large gap between the efficiency of state-owned commercial banks and other joint-stock banks; The problem of scale inefficient is outstanding.In the process of macro analysis, we study the contribution of state-owned commercial banks to the national economy. It is embodied by the comparison of loan, assets and employment with GDP. The research indicates that the contribution of loans and assets to the economy is positive, but the rate of growth of loan and assets is faster than GDP's. So not all loans and assets are allocated effectively; The contribution of state-owned commercial banks' employment to GDP is negative, this indicates the problem of surplus staff in state-owned commercial banks is outstanding.Thirdly, The dissertation analyzes the influences of economy of scale, the system of property rights, and the system of internal management, financial innovation, financial configuration and credit environment on the efficiency of state-owned commercial banks based on the empirical analysis. We point out that diseconomy of scale, unreasonable system of property rights, confused internal management, and the lack of financial innovation, the imperfect financial configuration and credit environment restrict the improvement of the efficiency of state-owned commercial banks.At last, according to the problems mentioned in the last paragraph, we give the approaches to improve the efficiency of state-owned commercial banks in the fields of the system of property rights, the system of internal management, financial innovation, financial configuration and credit environment.