Research On The Efficiency Of Regional Commercial Banks

Different property rights structure have different impact on efficiency of commercial banks , many empirical research shows that the efficiency of non-state-owned commercial banks in China is obviously higher than that of state-owned commercial banks from a national perspective, and most domestic scholars carried on empirical analysis, with the result that property rights structure have greater impact on the efficiency of commercial banks than the market environment .In fact, As regional economic development level in China is very much unbalanced, the market environment characteristics of the country is significantly different, Therefore, when carry on the empirical studies about the factors which affect the efficiency of commercial banks , subregional research is very essential.This thesis selects commercial banks in Zhejiang Province and Gansu Province as subjects which have a larger difference in the market environment. First analysis efficiency of Commercial Bank in the two areas respectively , calculate the technical efficiency, purely technical efficiency and scale efficiency of commercial banks using DEA theory, and through Lindo statistical software, then conclude that the efficiency of state-owned commercial banks higher than the efficiency of non-state-owned commercial banks in Zhejiang Province within most years , but in Gansu Province , the efficiency of non-state-owned commercial banks should be higher than that of state-owned commercial banks. That is to say that the empirical conclusions about commercial banks in Gansu Province is unanimous with other scholars nationwide, but for Zhejiang Province, its market environment is better than the national average level and the level of Gansu Province, so the thesis preliminary think that the higher efficiency of commercial banks in Zhejiang Province may be affected by the environmental impact of the market environment.To further confirm the initial judgment, the thesis puts 22 banks of the two provinces in a sample library to calculate efficiency, and takes the results of efficiency as dependent variable, the property rights structure and market environment as independent variables, then carry a regression analysis. The results show that: In Zhejiang Province, the market environment has greater influence on efficiency of the commercial banks than the property rights structure, and contrary to the situation in Gansu Province.Based on the above empirical results, we believe that in view of the unique dual economy in our country, the impact factors of efficiency of commercial banks in China must be treated subregional, Otherwise it will draw some of the conclusions which inconsistent with local conditions. In the thesis, empirical analysis and correlation analysis demonstrate that the banking sector should further reduce the monopolization of the market, and improve the competitive environment of the banking industry in the relatively developed areas; As for the provinces which economy is relatively backward, they should make greater efforts to introduce and establish non-state-owned commercial banks to improve the property rights structure.