An Analysis On Commercial Bank Efficiency Of Our Country

With the development of reform and open policy, Financing reform of our country has been deepened. However, bank financing still was the mainstream of social finance activity because of immature stock market and the banking industry is in the dominant position of finance system in our country. Since our country joined WTO, our country has cancelled limitation to the foreign capital bank, the foreign capital bank completely will enter the Chinese market in 2006, which will bring a big impact on China's bank. Commercial banks of Our country faces not only the domestic banks' pressure, but also overseas banks' challenge, whether commercial banks of our country will win in the competition is the problem which we must solve.The key to solve the problem lies in ommercial bank own competitive power, which is a core question of sustainable development of national bank. But at present competitive power of commercial banks is low, which resultsfrom low banking efficiency. The low efficiency is the showing of the low competitive power and s the huge waste of the social resource. From the present practice, finance supervision and management of our country has not been the enhancement of the efficiency as an important target.In view of the Chinese banking industry in the switcher time, this paper firstly estimates the efficiency values of 15 commercial banks by DEA and its the revision model, then analyzes the efficiency values of the different system of ownership banks, and gets inefficiency banks and their weights, thus makes the plan of efficiency optimization. At the same time, considering the goal particularity of the state-owned commercial banks, this article evaluates macro efficiency of 15 commercial banks, including the state-owned commercial banks and the joint stock system banks, which makes the analysis of the banking effieciency more comprehensive and the findings more objective. Moreover, through the establishment econometrics mode, this article analyzes the factors which cause the change of the banking efficiency values and finds the important factors. And 15 banks are divided into two stature samples includingthe state-owned banks and the joint stock system banks to analyze separately their influence factors, thus we obtain the measure which can rise the effieciency of our country commercial bank. I hope this paper has a certain guiding sense to our country commercial bank's managers.