Research On The Operational Efficiency In Our Commercial Bank

As the Major component of the financial industry,commercial banks play a role of financial intermediation.It's operation efficiency is directly related to the resource allocation and sustainable development capacity,and has a direct impact on the sustained and healthy development of our national economy . The efficiency improvement of commercial banks is the key to guard against risks and to promote sustainable development of banking sector.This problem is also the focus to deepen the financial reform in China.In essence.the commercial banks'efficiency is the effectiveness to minimize the cost under the established output or to maximize the profit under the established input.But the commercial banks'efficiency sustainability refers to a correlation between future efficiency and past efficiency of banks,that is,the role of bank'S current performance to reveal the future performance.For this reason,we can't only focus on the banks'efficiency,but also concern about the continuity of the efficiency in orderto dig out more useful information about the efficiency of banks to be used to guide management practice. Although the Commercial banks of China have made great progresses in recent years,there is a big gap in operating efficiency compared with the similar banks in the developed countries.Along with the advancement of the banking reforms,the efficiency analysis is more important than before.This thesis is the study on the operating efficiency of commercial banks in our country,which at first analyses deeply efficiency meaning sorts and research methods.Based on this,we do the single-factor index comparison on our commercial banks and research the difference of the efficiency level.Then we make empirical study on 13 commercial banks with the frontier efficiency analysis method,the reference data are from Year 2004 to 2008. This study includes six parts.Part One introduces the background of China banking efficiency study and the basic concept of commercial banking efficiency.Proposed main contents of this article,research framework and the adopted methodology. Part Two the described efficiency of commercial banks in China ,classify of commercial banks in China and introduces the research method of the banks introduced above.And this part focuses on data envelopment analysis (DEA) method.Finally,we analyzed the principles and methods ofselection input-output indicators of efficiency evaluation. The third chapter described the Comparative single-factor of commercial banks. Chapter four introduced the empirical research of commercial banks.This chapter is divided into two levels: first, a profile of commercial banks, followed by the model based on DEA efficiency assessment of commercial banks. Chapter Five described policy recommendations,According to the analysis of the previous section ,China's commercial banks for the actual situation.we put forward to improve operational efficiency measures and suggestions form the property system,resource allocation,risk-taking capital and capital adequacy ratio .At the same time we introduced the future research directions.