Empirical Analysis On The Efficiency Of Commercial Banks In China

Commercial bank efficiency is the commercial Banks in the business activities of the input and output or costs and benefits, the contrast between the relationship between the essence of reflects the bank owned resources effectively configuration, it is to measure banking institutions business performance, market share and the growth space the important standard, reflect the overall competitiveness of the bank. In the commercial bank efficiency research has important theoretical and practical significance, the specific performance in the following two aspects:On one hand, commercial Banks as the financial industry pillar industry, and its efficiency reflect the financial institutions of the whole management state and resource utilization effect, commercial bank stability and development is directly affect China's financial system stability and development. Bank development lies in bank efficiency, and the bank efficiency and competitiveness of the bank, the bank is embodies realize resource allocation optimization, risk prevention of the key. Therefore, to commercial Banks to maintain efficiency, financial stability and development, and improving the commercial bank core competitive ability, reduce business risks, and promote economic growth to have the important meaning.On the other hand, commercial Banks to the national economy as a barometer of the", "commercial bank's development and the entire national economy national economy development operation closely related. In the current economic integration, financial globalization background, through to the domestic and foreign Banks and domestic Banks, the efficiency of the analysis between national regulator can draw domestic Banks and foreign advanced the efficiency of the bank, understanding of domestic Banks gap in the use of resources, and how effective can be targeted for domestic formulated financial regulatory policies and regulations, promote resource in China between commercial Banks and effective utilization of the reasonable configuration. Therefore, to commercial Banks, helps to reveal the efficiency of China's commercial Banks clearly improve the efficiency of the way and the measures should be taken for the national regulatory authorities, which control the effect, evaluation adjust the regulation policies provide the necessary theoretical basis.Therefore, this article from the domestic and foreign commercial Banks in the efficiency on the basis of research achievements, to make up for the present some limitations of the study, the selection of 2002-2009 China's commercial Banks as 14 home sample database, using three phase DEA model of our country's commercial bank efficiency measure, the main structure arrangement is as follows:The first part is the introduction, this paper mainly including the selection of subject significance and background, bank efficiency study at home and abroad, the literature review of the existing bank efficiency and the deficiency of the study of the innovation of this paper place;The second part is the theoretical model and the index selection, mainly includes three stages of the DEA model this paper, the selection of environment variables, input and output index selection and examination of rationality;The third part is based on three stages of the DEA model of China's commercial Banks efficiency empirical analysis. In this paper a stage on the basis of traditional DEA, build similar to SFA model to adjust the environmental and random disturbance factors on commercial Banks, and the influence of the efficiency of the four major state-owned Banks and ten share-holding commercial bank, as two sample database, their efficiency comparison analysis. The results show that the 3 phase DEA model than the traditional DEA model is reasonable, a stage that environmental and random disturbance factors adjusted to commercial bank efficiency the necessity of influence; Sample period, our country commercial bank's overall technical efficiency on a steady rise, and joint-stock commercial bank's overall technical efficiency than four big state-owned commercial Banks; Each commercial bank technology to enhance the efficiency of mainly from pure technical efficiency increase; Efficiency improvement from side, the difference between the various commercial bank is quite obvious, some commercial bank efficiency value in the sample period, and a relatively big change, joint stock commercial Banks to increase the efficiency of the average than big state-owned commercial Banks.The fourth part is risk after the adjustment efficiency of China's commercial Banks. This chapter in the second stage of the SFA model introduced risk factors index-bad loans and capital adequacy ratio, and the risk of commercial bank after adjusting the efficiency measure value. The results show that:bad loans and capital adequacy ratio as risk factors index to the our country commercial bank efficiency be degree of impact on, if not consider the two risk factors could be made out of the commercial Banks to measure the efficiency is low; Sample period, China's commercial Banks overall efficiency basically stable rising, and commercial Banks of the technical efficiency mainly comes from its scale up to promote the efficiency of; Joint stock commercial Banks to increase the efficiency of the above four big state-owned commercial Banks, including bank of communications technology, the largest rise in efficiency, to 51.98%.The fifth part is policy advice and the deficiency in this paper. Combined with the face of the bank the measure before the efficiency, to how to improve the efficiency of Chinese commercial Banks and commercial Banks, from the macroscopic level advances some policy Suggestions. At the same time, the empirical research institute in this paper by using the model for the shortage of the commercial bank efficiency after some researches on the outlook.