The Comparison And Analysis Of China City Commercial Bank Efficiency

With Chinese banking industry fully opening to the outside world and finance globalization, Chinese financial market is coming into a new stage with severe competition from a monopoly stage. The competition focus on improving management, enhance service quality, innovation of financial products and the efficiency, the last one ranks first.As a special part of Chinese financial industry, the city commercial bank is playing more and more important rule in the economic development after ten years with innate shortcomings. The study of city commercial bank's efficiency is helpful to enrich the Chinese commercial bank management theory system, is helpful to the sustainable development of study on city commercial bank, and also helpful to realize the problems of city commercial bank.On the basis of DEA, taking the city commercial bank as sample, the thesis evaluates the efficiency of city commercial bank from aspects as scale efficiency, pure technology efficiency and allocation efficiency. It analysis related eigenvariable which effecting banks efficiency, and looking for the internal elements which can improvie the efficiency. The main work and research harvest are as following:Firstly, conducting in-depth analysis on bank efficiency on theory. It gives the basis meaning of bank efficiency, introduces the measure methods of efficiency. Finally, it defines the input and output elements which are the core of DEA. among the output elements the amount of loans and quality are taking into consideration.Secondly, conducting sample analysis of city commercial bank's EE. From the study. I found that reasonable business structure not only helpful to get high management efficiency, but also have the possibility of sustainable development at the same time. It also found that the high net interest policy had direct effect to city commercial banks efficiency. It found that lowing the non-performing loans ratio and improving the assets quality was a important work to enhance the city commercial bank's management efficiency.Thirdly, doing sample research on the internal elements effecting banks efficiency from the aspects of scale efficiency, pure technology efficiency, allocation efficiency and cost efficiency. It found that the most important contribution to the improving city commercial bank's production rate was the improving of allocation efficiency. On the contrary, the unsuccessful human resource control and unreasonable scale had some bad effects to banks efficiency.Finally, on the basis of the samples and theory research, the thesis propounds the strategic methods of improving the city commercial bank's efficiency.