Research On Efficiency Evaluation And Promotion Of Commercial Bank

Efficiency is one of the key problems of the economic research. It is the goal which the commercial bank pursues in management and administration too. The efficiency of the bank is not merely shown as the bank's own management performance, but also is the concentrated reflection of the competitiveness of the bank, reflected the inherent quality of economic development of one country at the same time. In the long run, the development of the bank depends on efficiency finally. With China's accession to the World Trade Organization, the competition between Chinese and foreign banks will be fiercer. So this thesis studies the efficiency problem of the Chinese banks and their influence factors, has certain theory meaning and realistic meaning.After this thesis has introduced domestic and international relevant research documents synthetically, brief analysis the basic meaning of the efficiency of the bank and relevant basic theories studied with the efficiency of bank. This thesisuses the most frequently used method in the efficiency research of the bank—Data Envelopment Analysis, analyses the efficiency question of our country's banks. In this thesis we use net value of the fixed assets, staff's number and the cost of interest payments as input indicators; use interest income and non-interest income as output indicators.We use Data Envelopment Analysis estimate technological efficiency value of China's four major state-owned commercial banks and 10 joint-stock commercial banks from 1999 to 2004. The result shows the whole efficiency of the banking presents and fluctuates the trend that rises, the efficiency average level of state-owned bank is lower than the average level of the efficiency of shareholding system bank.The gap between the level which are the state-owned banks' of efficiency and joint-stock commercial banks is in a narrow fluctuation trends. This is identical with investigation of the state-owned banks and shareholding system banks. In this thesis, 4 state-owned banks and 10 joint-stock banks are combined evaluation and comparison, demonstrate again two kinds of banks' gap, which offer the realistic basis for seeking the financial reform measure in the future. On the basis of the above analysis, this thesis presents a proposal to raise the efficiency of China's banking industry from three aspects: macroeconomy environment; industry environment and micro-banking environment. Should be made to further promote the shareholding reform of China's state-owned commercial banks; set up and amplify the regulation system; gradually relax restrictions on business and financial industry; reduce the monopoly intensity of the banking; optimize the structure of property right; improve capital quality and human resources quality of the bank. In strengthening financial supervision, ensure the stability of the banking system at the same time, to facilitate the opening up gradually converge with the international market.