Efficiency And Analysis Of Agriculture Bank Of China In Shijiazhuang Region

With the development of national economy, the bank plays more and more important role in people's life. An efficient, effective banking system can be useful for national construction and people's life quality. In China low efficiency exists in the bank. A series of questions such as imperfect system, innovative deficiency also exist. Under the impact of foreign banks and new banks, large state-owned commercial banks can continue to occupy the market or not, depends on whether it can find out the deficiency, realize their problems and improve the efficiency. Based on the research situation, this thesis attempts to use an example of ABC in Shijiazhuang region from micro research. Based on the comparative analysis of the branch efficiency of ABC in Shijiazhuang region, we can find the existing problems and the ways to improve efficiency.On the basis of the deep understanding of bank efficiency and microeconomic operation, this paper first adopts traditional data envelopment analysis for relatively efficiency analysis of 35 sub-branches evaluated in Shijiazhuang area. This method would find the efficient branch. Under the objective conditions and the level of management, we can analyze the problem of low efficiency branch. Then the branch operation was divided into two stages, adopting relational network DEA method. This not only finds the relative efficiency of each branch, but also the reasons of the low efficiency of each branch and the internal relationships. The two methods can get the conclusions and have roughly the same region. The efficiency of the branches is low and uneven and city level efficiency is higher than the rural.On the efficiency evaluation of 35 sub-branches, this paper further adopts regression analysis method to study the factors affecting bank efficiency. The conclusion is that the deposit-loan ratio, intermediary business, assets and deposit have significantly influence on efficiency. Combining the efficiency evaluation conclusions, the existing problems can be found in the management of agricultural bank of Shijiazhuang region, Such as the property right problem, responsibility problem, insufficient creativity, imperfect credit mechanism, scale economy, low staff quality and professional talent shortage. Though analyzing sample is Shijiazhuang, the conclusions have reference for the agriculture bank industry...