The Research On Chinese Bank's Efficiency And Influence Factors

Under financial globalization, improving international competitiveness of commercial banks is a key element for banking industry's sustainable development. Efficiency, one of the core issues of economics, is also the core competence for commercial banks nowadays. High efficiency can help us to avoid financial risks and promote banking industry. Therefore, enhancing efficiency of China's commercial banks and then boosting the competitiveness of China's banking industry become the best choice for China state-owned commercial banks' internationalization and commercialization. Furthermore, banking efficiency would influence our state economy stability and financial security substantially. In conclusion, study efficiency of commercial banks and its relevant issues have great realistic significance.Based on the trading and financial data of 11 state-owned and joint-stock commercial banks in China capital market during the periods from 2001 to 2008, this paper gives the evidence from the cost efficiency, technical efficiency and allocative efficiency value to analyze the bank efficiency generated from using the DEA model. Furthermore, the paper use Malmquist productivity index to give analysis and description for dynamic change of bank efficiency. On the second half parts, using the panel data model- random effects model,the paper views the regression analysis based on using dependent variable on efficiency index and independent variables on various factors selected from the macro and micro.