The Research Of Our Country Commercial Bank Efficiency And Risk

Since the21st Century, China’s commercial Banks has undergone huge changes, on the international stage status rise further. Especially after the financial crisis, because of the impact of China’s commercial Banks are smaller, and become a global academia and Lombard Street research focus. At present, of China’s commercial bank’s research mainly is respectively from the efficiency and risk angle, and improve efficiency and risk management of commercial Banks need to at the same time, the pursuit of the goal, therefore, will be China’s commercial bank efficiency and risk studied together, can reflect China’s commercial Banks operating real condition, the conclusion can be for the development of China’s commercial Banks to provide helpful advice. Based on the international, on the basis of comparison of through to the Chinese commercial bank efficiency and risk problem, this paper tries to further construct and perfect China’s commercial bank management system, financial managers to provide reliable basis for decision making.This paper focus on China’s commercial bank efficiency and risk conducted a series of research. First of all to the bank credit risk and bank efficiency related theory as the foundation, the integrated use of qualitative analysis and quantitative analysis method, to our country the credit risk of commercial Banks and the relationship between the efficiency is studied, first through to our country commercial bank efficiency and risk related theory to review analysis, then made clear our country commercial bank’s development present situation, and then to our country commercial bank’s risk and efficiency relationship model estimation, and then according to the cost efficiency which has been calculated this paper focus on empirical analysis about risk management factors that affect the efficiency of China’s commercial banks (including the non-performing loan ratio, capital adequacy ratio, loan-to-deposit ratio, and liquidity ratio). The empirical results show that:the non-performing loan ratio was significantly negatively correlated with bank efficiency, loan to deposit ratio is positively correlated with bank efficiency, capital adequacy ratio, and liquidity ratio did not pass the test of significance. In the end how to make the strengthening our country commercial bank risk management so as to improve the efficiency of the bank are analyzed, and put forward the improvement of the credit risk management, improve the efficiency of the bank related policy Suggestions.