| The international financial sector and every supervisory authority have benn focused on the research on the commercial banking efficiency over the last two deeades.The nature of the commercial bankis enterprise ,aiming at economizing the cost input farthest or promoting the maximization of retums.In recent years, the asset of commercial bank increases year by year, while the banking sector reform has achieved many breakthroughs.But compared with the international advanced the industry, there is a big gap in many aspects of commercial banks.The evaluation of the efficiency of Chinese banking industry by using DEA method and influence factors have certain theoretical and practical significance on the efficiency of commercial banks.After the review of the related research literatures at home and abroad, this paper gave the definition and decomposition of the efficiency.After combining the basic situation of Chinese banking sector, the paper analysize the technical efficiency, scale efficiency and pure technical efficiency of 16 commercial banks by using the CRS, VRS and NIRS model according to the 2007-2009 data of the samples.But,because of the limitmation of DEA method,the paper deals with original variable with canonical correlation analysis at first.Then,this paper estimates efficiency of the sixteen listed banks in China in 2007-2009 by CCA-DEA model.After this,the paper introduces the super DEA to improve the model.This paper makes multiple linear regression. The CCA-DEA technical efficiency is defined as dependent variable,while the possible factors that influence bank's efficiency are defined as independent variables.The results show that the banking efficiency has a a significant negative correlation with the non-performing loan ratio and a positive correlation with the ratio of loan to deposit and the ratio of IB to operating revenue.Based on the above analysis, this paper advise that the commercial banks should improve the efficiency of commercial banks by improving the ability of bank asset allocation to establish the diversified asset structure; strengthening loan management to improve asset quality; accelerating the development of intermediary business to increase the ratio of IB. |
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