Positive Research On The Efficiency Of Listed Bank

The banking of our country plays a role in the new economy, at the sametime, facing larger and larger competition pressure, the poor efficiency is notmerely the direct behavior with low competitiveness, reflect the wastingenormously of social resources at the same time. If the banking of our countrywants to develop continuously, we must improve the competitiveness of the bank.Efficiency is the concentrated reflection of the competitiveness of the bank,improvement of the efficiency of commercial bank and the controlling effectivelyof cost are the key to win in the banking. We should find out the factorinfluencing efficiency, make clear the function of the mechanism of theseinfluence factors, and find way to raising the efficiency.The paper chooses the DEA input-orientated models of non-parameter datamethod to computer commercial banks' efficiency. Based on data envelopmentmodel DEA and made some improvements, and based on the restructuring andlisting of China's banks from 1999 to 2006 the effectiveness of the analysis. In sodoing, taking into account the bank's restructuring and listing features will bedivided into two groups listed banks, they are listing of small and medium-sizedbanks and the listed state-owned banks to be analyzed. For the listing of smalland medium-sized banks, the paper estimates efficiency of bank from thehorizontal, vertical, and the time and space dimensions comprehensively, andmade efficiency optimization analysis to not reached an efficient bank, finally, analyzing with other shareholding commercial banks which have not coming intomarket. The result explains the listed of small and medium-sized banks moreefficient than other joint-stock banks, existing of scale and X-efficiency. Thepaper analyzes the listed of state-owned commercial banks using of financialanalysis, from the restructuring and listing, After two restructuring and listingpoint of view, and finally makes the optimization of efficiency analysis to thelisted of major state owned banksAt last the econometrics model is put forward and we confirm thatindependent variables that the equity structure, Basel capital accord and capitaladequacy rate , rate of return on common stockholders' equity, cost/income ratio,ratio of non-performing loans rate , ratio of deposit to loan and so on.Then takingthese efficiency values computed as the dependent variables. The researchconclusion: these factors including the Basel capital accord and capital adequacyrate, ratio of non-performing loans rate and ratio of deposit to loan have anapparent effect on the efficiency of listed commercial bank.