Research On Evaluation And Influencing Factors Of The Commercial Banks' Efficiency

Efficiency is one of the core issues of economics, and the research on banking efficiency has become one of the topics of the international financial community and national regulatory authorities. Efficiency of commercial banks aims at minimizing the input and maximizing the output, that is to say economizing the cost input farthest or promoting the maximizing of returns. The efficiency of banking is the centralized reflection of the competition ability of commercial banks, improving the efficiency of the bank can guard against financial risks effectively and improve their competitiveness level. At present, research on the efficiency of commercial banks especially bank branches is less, and to the problems of commercial banks in less-developed regions are even weaker. Therefore, we select the efficiency of A bank of Huaian to research, it has important practical significance to the development of the banking industry of the region.Based on the results of research related to domestic and foreign scholars, we compare the different methods of measuring the bank efficiency, and finally select the DEA approach. We use it to measure the technology efficiency, pure technology and scale efficiency of 9 branches of A bank of Huaian from 2007 to 2009. And we comparative study the results on horizontal and vertical analysis, and then we make an analysis on the situation of the lack of input and output redundancy of each branch, to conduct a detailed study on the efficiency of the sample banks. Meanwhile, we make an analysis on the dynamic changes of the sample banks' efficiency based on the Malmquist index, to have a further understanding of the changes in the status of its efficiency.After we calculate and get the efficiency value of each branch, and based on the creation of econometric models, we select non-performing loan rate, bank deposit ratio, operating expenses per capita and intermediate business income, and make an analysis on the factors of the bank efficiency. And we consider that:non-performing loan ratio of banks on the efficiency is not very significant, and it is a significant positive correlation between bank deposit ratios, intermediate business income and their efficiency, and it is a significant negative correlation between the operating expenses per capita and the efficiency. Finally, based on the results of empirical analysis, we propose some suggestions, including that: optimizing banking processes, striving for quality customers actively; reducing non-performing loan ratio, improving the quality of assets; developing intermediary businesses, promoting financial innovation; improving staff quality, strengthen the incentive mechanism。...