Research On The Financial Service Outsourcing From The Perspective Of The Commercial Banks Performance

The outsourcing service appeared in the60s of the last century, but the term “outsourcing” isproposed by Western scholars until the1990s. In the case of intensified competition in the financialsector, service outsourcing has been gradually applied to financial industry, is called the financialservice outsourcing. The outsourcing of the financial industry originated from the1970s, developedrapidly in the1990s, at present, in all ventures, the size of the global financial industry outsourcingonly came in the manufacturing sector after.Large number of domestic banks, especially small and medium-sized commercial banks, theirsmaller, limited funds, manpower, energy and technology, management experience is lacking, it canonly rely on external forces such as outsourcing to solve more perfect financial service issues byproviding financial, credit, investment and leasing.The level financial service outsourcing to commercial bank performance needs to be provedstrictly, such as to produce beneficial effects or adverse effects and the extent of influence.This paper first explores the significance of the topic, and conducted a review of the literature,defines some related concepts. Put forward the division of labor and the theory of scale economy,transaction cost theory, value chain theory, core competence theory and the theory of reengineeringthe bank is a commercial bank service outsourcing support theory. Secondly, introduce developedcountry′financial service outsourcing situation and the enlightenment to our country. Nextelaborate commercial banks′service outsourcing and its performance evaluation in our country,analysis china′service outsourcing in banking development trend particular and present acomparison of comprehensive performance management system of commercial banks. Subsequentestablish model according to the theoretical basis, using sixteen Chinese Listed Commercial Banks′service outsourcing and performance data in6years from2006to2011,through panel data model,empirical analyses the comprehensive effect of commercial bank financial service outsourcing toperformance. The results show that, due to outsourcing plays a role in the existence of time-delay,commercial bank financial service outsourcing produce adverse effects to the supply chainperformance in a short time, long-term production is more and more strong positive effect; onhuman performance is that the positive effect to get instant results; on risk performance outsourcinghas minor negative effect; on profit financial service outsourcing has the beneficial effects, overall,the financial service outsourcing to the performance of commercial banks is in a positive relation.Finally through explain the significance of developing outsourcing in financial services tocommercial banks, looking forward to the prospects for china′development of the financial services outsourcing, proposed corresponding countermeasures.