| Our economic development is different from the Western countries, the economy is in a transition phase, the main way to maintain economic growth and stability is a state-owned enterprise credit subsidies, and therefore if the financial development of the banking sector inefficiency is bound to become the shackles of economic development. From a historical situation on the international development bank, the development of inefficient banks and any competition would seriously hinder economic development and stability, such as the huge non-performing assets of the banking sector in Japan, the Korean financial crisis. With the global economic point of rapid, continuous influx of foreign banks to the Chinese market. How Chinese commercial banks occupy undefeated position in the highly competitive market in the future, this is dependent on the operational efficiency of the domestic commercial banks. According to market demand, China’s commercial banks in this regard a lot of work to improve the efficiency of bank competition and the establishment of a sound system, and promote the ability of commercial bank management. However, commercial banks compete efficiency evaluation, our country there is still a series of problems.In this paper, I am mainly based on the current reality of our country, through macro described the current economic situation in the context of the competition and efficiency combined with the goal by competing objectives and efficiency targets, efficiency of scale, scope and efficiency of the efficiency of three X- efficiency of commercial banks in terms of the theory summarized. Meanwhile, the bank efficiency and competition and monopoly linked. Bank as an important pillar industry of China’s economic development, and only strengthen the government’s regulatory power to create a viable and fair market environment, in order to improve the efficiency of the bank from the external environment, to ensure orderly development of the banking sector. This requires China’s commercial banking system, it is necessary after constantly absorbing and the introduction of international advanced scientific management methods, improve the management measures to improve the effectiveness of management, but also for the impact on competition play a role in the efficiency of internal management analysis and research, so to have a strong and carry out analysis of influencing factors and determined that the increased competition in efficiency through the use of more useful way, while continuing to develop in order to be able to synchronize with the world, to analyze the international and domestic competition for efficiency technologies and ideas, and then in more detail propose effective recommendations, the greatest degree of competition to improve the current efficiency of commercial banks. By input and output indicators dea models come out of the macro analysis of factors affect the efficiency of commercial banks and micro analysis. Our country is in good momentum of economic overheating, a large number of credit and business environment of rapid development, China Bank’s overall development situation by the national policy, the influence of multiple factors in the social credit environment and socio-economic environment as a whole; and microeconomic factors are mainly aimed at DEA Model input and output indicators to be determined by analyzing the input and output indicators, and to determine whether the elements of microeconomic factors mainly refers to the size of the bank’s capital levels and clear property rights and other aspects. Finally, according to the data model, using Eviews7 regression equation to determine the bank property, the size of banks, asset quality and human resources showed a significant positive correlation. |
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