The Study On The Operating Efficiency Of Chinese Commercial Banks

Finance is the core of the economy, and the bank is the most important in this field. To research the efficiency of commercial banks is not only reflected about the banks but also the development of finance.There are some advantages and disadvantages for the introduction of foreign strategic investors, both for banks and for the entire national finance. On the one hand, the introduction of foreign strategic investors can improve corporate government structure and risk management capabilities. On the other hand, some one worry about the foreign financial institutions may hold too much equity, it can seize Chinese financial markets and threat the national security. Therefore, Giving full play to the promotion effect of the operating efficiency of commercial banks by introduction of foreign strategic investors is important to the banks advantage in the competition, also to the entire national financial healthy and stable development.This paper intends to base on absorption of research results, express understanding and insights. We use a variety of research methods, such as the combination of theoretical research and ratio analysis, comparative analysis method, qualitative and quantitative analysis, to analysis the impacts on the commercial banks after the introduction of foreign strategic investors. This paper is divided into five chapters. The first chapter is the preamble, which introduced the research significance and object of this paper. Also the first chapter summed up the threads and methods of the paper and pointed out the major innovation points. The paper introduced the corporate theories in the Chapter II, including banking M & A theory and financial ratio analysis; The Chapter III described the status of introduction of foreign strategic investors to Chinese commercial banks, summarized the characteristics of foreign equity participation, and then proposed the potential adverse effects of introducing foreign strategic investors to Chinese commercial banks. Chapter IV mainly studied the impact factors to operating efficiency of Chinese commercial banks from the qualitative and quantitative perspective, after their introducing the foreign strategic investors. By the comparison of financial rates between the banks which contain foreign capital and the banks which does not contain foreign capital, the papers draw the conclusion. The final chapter is divided into three parts: government departments, foreign capital banks and non-foreign capital banks. It make some recommendations on how to take full advantage of the introducing the foreign strategic investors to improve the operating efficiency of Chinese commercial banks.