Empirical Study On Efficiency Of Chinese Commercial Banks

Under the environment of international financial, to improve the international competitiveness of commercial banks is key to sustainable development of financial industry. Efficiency is one of the core issues of economics, a concentrated expression of the competitiveness of the banking sector, improving the efficiency of the banking sector is fundamental to prevent financial risks and promote the sustainable development of the banking. Banking efficiency is not only reflected the bank's own performance, but also indirectly reflects a country's economic development, internal quality. Improve the efficiency of China's commercial banks, thus enhancing the competitiveness of the banking industry is inevitable choice to achieve state-owned banks commercial and international, is major initiatives to ensure our financial security, economic stability and sustainable development. Therefore, studying the efficiency of China's commercial banks and bank risk management has important practical significance on the impact of the efficiency.The whole article is based on the bank efficiency theory and measure method. First, the efficiency of Chinese commercial banks to a general analysis and conclusion on the basis of research results of 14 selected domestic commercial banks as a sample, according to DEA method, the calculation samples of bank technical efficiency, allocative efficiency, cost efficiency, pure technical efficiency, scale efficiency among 2003-2008, then compares state-owned commercial banks with joint-stock commercial banks. The empirical results show that:overall efficiency of our commercial banks is not too bad, and the overall efficiency of joint-stock commercial banks is much higher than the overall efficiency of state-owned commercial banks. During the study periods, China's commercial banks have trend to improve efficiency, and the joint-stock commercial banks compare state-owned commercial banks to achieve greater progress.Second, with the calculation the cost efficiency, focusing on the empirical analysis on the impact of the efficiency of Chinese commercial banks risk management factors (including non-performing loans ratio, capital adequacy ratio, loan-to-deposit ratio, liquidity ratio), with a view to the economic and financial efficiency Based on the theory improve the commercial banks to find efficient ways. The empirical results show that:non-performing loan ratio and the efficiency significantly negative correlation, bank loan-deposit ratio and efficiency are related, but the capital adequacy ratio, liquidity ratio did not pass the test of significance. On the regression analysis of state-owned commercial banks and joint-stock commercial banks, the state-owned commercial banks and all banks in the regression results have some differences, the joint-stock commercial banks' conclusion with the sample banks is consistent.Finally, from the joint-stock reform, establish and perfect the mechanism of the banking market, improve asset allocation efficiency and scale efficiency, fully implement technology, strengthen risk management etc. to put forward the proposal to improve China's commercial banks efficiency for relevant departments for decision-making.