| Efficiency is the core issue of the bank management. The efficiency of commercial banks, whose effect to the country’s overall economic operation cannot be ignored, doesn’t only give an expression of the result of their operations, but also determine their competitiveness. In order to better guarantee the development of China’s economy, the banking industry must continue to grow, enhance its competitiveness, which requires the continuous improvement of banking efficiency. We should focus on banks’efficiency and find the factors affecting the efficiency to grasp the mechanism of action of these factors, targeted improvements and solutions. This highlights the efficiency of China’s commercial banks in this study and the development of the proposed theoretical significance and practical significance.With the summary of existing research results in China and abroad, I choose a non-parametric method in data envelopment analysis (DEA) to the input-oriented model. Meanwhile, in order to meet the rules of the use of the DEA method and obtain more accurate data and conclusions, this paper introduces a canonical correlation analysis method to draw comprehensive variable, at the same time to retain the information contained in an initial input and output variables indicators to achieve dimensionality reduction purposes. Integrated variables transform the raw data of the selected15listed commercial banks in2008-2010, the relative efficiency measurement results show that China’s state-owned banks during the listing of joint-stock reform, the overall efficiency, pure technical efficiency, scale efficiency value has increased and the overall efficiency of state-owned banks is not increasing extent from the scale invalid, indicating that the share reform to promote the pure technical efficiency is another example. China’s state-owned commercial banks’big problem is the phenomenon of agencies and employees redundant. There is the need to optimize staffing to improve the efficiency of scale. To addition, the joint-stock commercial banks are basically in a state of constant or incremental returns to scale, so it can improve elements of the input to increase capital investment, higher output, in order to achieve economies of scale and improve the overall business efficiency.This paper studies the factors affecting the efficiency of commercial banks further. The study found that the division of property rights structure, management model, the proportion of non-performing assets, capital adequacy and financial innovation capacity of China’s commercial banks operating efficiency has a significant impact. And put forward policy recommendations to address these issues:the details of ownership structure, innovative management model to improve the capital adequacy ratio, improve the efficiency of asset allocation, increase financial innovation, streamline the organization and increase the capital of the joint-stock commercial bank investment. |
