The Empirical Research On Performance Efficiency Of The Commercial Banks In China

Commercial banks are the important part in the financial field, they also play the supporting function to the development of the natioanal economy. According to the consent when we join the WTO, the financial market will get more and more open, the banking will also face the unprecedented challenge. They will compete with not only the domestic banks but also the big foreign banks. Under this competitive environment, how to improve the performance efficiency, increase the competitiveness is essential for the bank's survival and development. So,it is the requirement for the bank's development and meeting the outside competition to study the commercial bank's performance efficiency.This paper takes 14 commercial banks as the studying object, evaluates the commercial banks by using the principal component analysis and cluster analysis, and finds the difference between the state-owned commercial banks and the stock commercial banks, then analyses the reason which causes the difference and proposes the suggestion how to improve the performance efficiency.First, this paper reviews the general theory about the bank performance efficiency, and takes the single index analysis by using the rational indexes, and finds the existing problem during the operating. Second, according to the characteristics and demand of the bank management, design a suit of evaluating indexes, and takes empirical analysis on the commercial bank's performance efficiency by using the method of the principal component analysis and cluster analysis, finds that although the state-owned banks are big, but their performance is worse than the stock banks,so they belong to the worse cluster. Third, analyses the reason of the difference between the state-owned and stock banks from property structure,market structure,organizition structure and personnel structure.Last, proposes the suggestion to improve the state-owned banks'and stock banks'performance efficiency, such as taking property reform,reenginerring the organization structure,adjusting the personnel structure etc.This paper takes sysmetic analysis by taking the qualitative method and quatative method, makes scientific evaluation to the commercial banks, and finds some shortage of the banks, it has important significance for the banks'development.