The Analysis Of Efficiency Differece Of Chinese, German And American Commerical Banks Based On Dea Super-Efficiency

Efficiency is one of the core problems that the economists deal with. It is also the goal that the administrators of the commercial banks want to achieve. The efficiency of the banking industry is not only the reflection of the individual bank's performance and its competence, but also the reflection of the intrinsic quality of the economy development of one country. In the long term, the development of the banking industry mainly depends on the efficiency while not the speed or the scale.Efficiency is very important to the development of the banking industry, and meanwhile, considering the facts that the similar position of the banking industry of China and Germany in their individual financial system, yet the relative low function of the America, we, in this paper, putting the American commercial as the frame of reference, analysis the efficiency difference of the China and Germany commercial banks and then find out the factors that resulting in it. The full paper is divided into 5 chapters altogether, arrange as follows.Chapter one the foreword, its main content is the significance of this paper, the theoretical basis of banking efficiency and the comprehensive introduction of the literature related to efficiency. The theoretical basis includes the general meaning of the efficiency, the concrete meaning of the commercial bank efficiency and the kinds of efficiency. The introduction of literature of both home and abroad includes the purposes, methods of the bank efficiency research and the factors that affect the differences of efficiency.Chapter two mainly introduces the state of the development of Chinese, German and American commercial banks, which is helpful for the analysis of the differences of bank efficiency in the chapter three and four. In general, the Chinese and German commercial banks play a similar role in their individual country, while the American commercial banks, compared to the capital market, play a relative low role.Chapter three introduces how to measure bank efficiency and then gives the results of the efficiency score of the Chinese, German and American commercial banks. In the part, the paper first presents the CCR and Super-efficiency models of the DEA methods, and then discusses the problems about the choice of sample, the setting up of index and the orientation. Finally, the paper gives out the result of the bank efficiency scores of the Chinese, German and American commercial banks. In general, the German commercial banks efficiency scores are higher than those of Chinese and American commercial banks.Chapter four analyses the efficiency differences. In this part, the paper first constructs a panel model, with the efficiency scores from the chapter three as dependent variable, and bank scale, asset allocation, stability, innovation and the profitability as independent variables. The paper gets the result that the differences of efficiency within China mainly result out the asset allocation and profitability, while the differences of efficiency within German result out innovation and profitability.Chapter five introduces the main conclusions and the policy significances. The conclusions include: in general, the German commercial bank efficiency is higher than those of Chinese and American commercial banks; the factors that result in the higher efficiency of German commercial lie in the relative better innovation and profitability, but at the same time, we should pay close attention that is not necessarily that the higher ability of innovation, the better of efficiency. The policy significance lies: if we want to improve the international competence of our commercial banks, the supervising sector should properly relax the limits that the commercial banks develop new financial products, enter new markets; meanwhile, the related sector may give the commercial banks favorable tax policy and at the same time, the bank supervising sector should control commercial bank scale, as we can get the apocalypse from the American experiences that it is not necessarily that the larger scale of ,the higher efficiency of bank .