The Research Of Operating Efficiency About The Listed Commercial Banks Based On DEA

On the background of financial globalization, commercial bank's globalization operation is more and more obvious, especially allowing foreign banks operating the RMB business since 2006, it is important for sustainable development of commercial Banks in China to improve the operational efficiency and ascend competitiveness.Following the clue of "operating efficiency of commercial bank ",we begin with theoretical definition of bank efficiency, analyzes the main content of the operating efficiency of listed commercial Banks in China, and then analyzes the method of efficiency evaluation of commercial bank, focusing on analyzing DEA method used in this paper. On the basis of theoretical analysis of operating efficiency evaluation method, this paper analyzes several important factors which influence commercial bank efficiency, the author thinks property rights system arrangement, the Banks themselves factors and technical level is the internal factors, and macro economic environment, banking market structure, financial supervision, the enter of foreign Banks is external factor. Basing on the operation situation of commercial bank of China, this paper takes 16 listed commercial banks'data from 2006 to 2009 as sample, and uses DEA to analyze operating efficiency of commercial banks. According to the results of analysis reached the following conclusion:first, The operating efficiency of state-owned commercial bank is lower than the joint-stock banks,city commercial banks, the author thinks that is due to the property rights system and human capital, state-owned commercial bank's state-owned stock makes it more vulnerable to receive the government's intervention, and it partly played policy bank's function, human capital is also causes the efficiency's lower for state-owned commercial banks; Secondly, the value of pure technical efficiency is alike, in this case, the comprehensive technical efficiency is decided by scale efficiency, presently, the scale efficiency of state-owed commercial banks is decreasing, the scale efficiency of the joint-stock banks and city commercial banks is increasing, that phenomenon is decided by the vertical structure of head office-branch-branch, basing on the lack of decision-making power, the bigger banks is more easily to receive lower management efficiency; third, in these years, the operating efficiency of commercial banks overall showed a rising trend; in addition, financial crisis caused a shock to operating efficiency of commercial banking, but this shock is limited.Lastly, basing on the earlier theoretical analysis and empirical analysis, this paper points several policy suggestions to improve the operating efficiency of commercial banks in China, the author thinks some steps from following several aspects to improve the operating efficiency:deepening property right reform, improving governance structure, perfecting the control mechanism and incentive mechanism, accelerating informationalized pace, constructing the deposit insurance system, deepening financial reform and financial innovation.