The Research On Efficiency Of City Commercial Banks Based On City Difference Coefficient

The paper sites the parameters which correlates with the output of bank, such as GDP, output of different industries, gross social consumption etc. It uses the regression analysis and TOPSIS methods to calculate the city difference coefficient of different city commercial bank. On the ground of the city difference coefficient, it uses the DEA methods to calculate the efficiency of city banks.The thesis can be divided into four chapters. The first chapter is the thesis background, research content and research framework. The second chapter is the principle of the thesis-. The third chapter is the city commercial bank efficiency appraisal model on the basis of on city difference coefficient. The forth chapter is application and analysis. The main outcomes of the thesis are as follows.(1)We put forward principle of city difference, area economic differences on the city commercial bank efficiency appraisal. In the appraisal of city commercial bank efficiency, we absorb a concept of city difference coefficient to calculate the output of city commercial bank, which will eliminate the area difference influence in the appraisal of city commercial bank efficiency.(2)We build a city commercial bank efficiency appraisal model on the basis of on city difference coefficient. Using city difference coefficient to improve the traditional DEA model to improve the city commercial bank efficiency, we eliminate the area difference influence in the appraisal of city commercial bank efficiency, which makes the efficiency appraisal more reasonable. Meanwhile, putting the city commercial banks in the fair economic background to compare the efficiency, can really reflect every city's commercial bank's efficiency and competition.The characteristic of this paper is: Firstly, it improves the DEA methods by the city difference coefficient, so that it eliminates the effect of city difference on the appraisal of city bank efficiency. The problem of lacking regional difference in the efficiency appraisal is solved. Secondly, this paper uses regression analysis to improve the index of bank output, and then, uses the TOPSIS methods to calculate the city difference coefficient of every index. So the correlation between the city difference coefficient and the output index is enforced. With these, the appraisal is much more scientific. Thirdly, it takes the national bank into account inthe process of appraisal. The position of city commercial bank is got from the all banks arrange. These solve the problem of lacking sample in the process of appraisal.