The Study Of The Effected Factor To Chinese Banking Technical Efficiency

The banking is not only the body of the country's financial system, but also the member of industrial system. The nation's commercial banks played the important role of our country's financial system that afforded the cost of the economic reform and development, which result in the impotence of the banking efficiency. Since we have entered the WTO, the domestic banking has to face the impact from the foreign banking. It's too important for our economic development and financial safety to improve the domestic banking efficiency.The former study about the domestic banking mostly focuses objects on the microcosmic factors of the banking. The author will test the relativity between the banking efficiency value and every angle of aspect of the relative factors through the SFA model by using the computer program Fronter4.1. In model the data we use are all from the financial annual of China and every bank's annual report from 1997-2003, including the four nation's commercial banks and ten stock banks.The effect of the model after regress indicates that there 's no any positive relativity between the microeconomics and the banking efficiency value in 1997-2003. The effect also indicates that the domestic banking's manage in the lasted years are interacted by the government and the soft restriction. As an industrial section the effect indicates that the market structure doesn't has a negative effect to the banking efficiency. So the scale of Chinese banking is not too large to expand, especially for the stock banks. As to the microcosmic factors, the effect shows that the ownership is relative with the efficiency, which the stock banks are more effective in profit efficiency or excellent loan efficiency model than the nation's commercial banks. The ratios of the ratio of E/A, human resource quality and the non-interest income also indicate that the banking can improve efficiency value through reform in the microcosmic factors, which will be discussed in the chapter five.According to the study above, in the chapter five the author proposes that to improve our country's banking efficiency we accelerate the reformation of the banking's...