Research On The Efficiency Of State Owned Commercial Banks

Since we join WTO, the economical transference has more urgently prompted a reform in national financial system. Commercial banks hold consistently a leading position in our financial system and at the same time they are the main body of our banks. Focal and difficult points of Chinese financial reforms lie in four big state owned commercial banks which provide financial support with heavy cost for smooth completion of Chinese gradual reform and increases in their efficiency not only play an important role for improvements in our utilization of financial sources but also a key to their existence and development. After analyses of the efficiency in the distribution and operation of resources in current state owned commercial banks, this paper tries to probe efficiency problems in Chinese state owned commercial banks, make researches into major factors for affecting their efficiency and therefore, to seek effective ways to improve their efficiency. The problems existed in the efficiency become not more than a significant proposition for their subsistence but have great significance for bettering the efficiency of our national financial system and thus contribute to further reform in this field, to healthy and growing development in bank industry and the stability in currency system.