Research On Efficiency And Influence Factors Of Chinese Commercial Banks Based On DEA Model

In recent years, due to the combined effects of the financial environment at home and abroad, the Chinese banking industry has been growing competition. If commercial banks want to win in the fierce competition, the key is to improve the core competitiveness. Efficiency is the concentrated expression of the bank’s core competitiveness. To bank efficiency evaluation, it is a more targeted way to take measures to improve the operation and management, optimize the allocation of resources, realize effective management.The main content of the study are as follows:Firstly, the use of traditional DEA model for panel data calculation does not satisfy that the decision-making units are in the same external environment. This paper proposes a non-parametric model which evaluates the efficiency of bank based on the panel data. From a static perspective, Panel Data model (M-BEE) evaluates technical efficiency, pure technical efficiency and scale efficiency conditions of the sample banks. Secondly, traditional Malmquist index FGNZ decomposition error defines technical change index and scale efficiency change index. This paper choose Malmquist index RD decomposition model to calculate the total factor productivity. It analyzes the intertemporal evolution of Chinese commercial banks efficiency from a dynamic perspective. Thirdly, this article uses a random effects Tobit model for quantitative analysis. It researchs on the micro-impact factors of affecting Chinese commercial banks’technical efficiency, pure technical efficiency and scale efficiency. As a result, it can clear the key factors of affecting efficiency changing.The results show that, from2001to2009, the technical efficiency of15commercial banks have an increasing trend year by year. Pure technical efficiency presents the characteristics of first decreases and then increases further decreased. The scale efficiency rises slowly and does not change significantly. Chinese commercial banks presentes improvement trends in total factor productivity. Technological progress is the main driver of the increasing total factor productivity. In the future, the main way to enhance the efficiency levels of banks is to reduce operating costs, improve profitability and enhance the quality of assets.