The Research On Efficiency And Its Influencing Factors Of Listed Commercial Banks In China

It’s important to the commercial banks’s business performance and profitability toimprove their efficiency. The total assets of China’s listed commercial banks accounted forthe vast majority of the overall commercial banks.Therefore, studying the efficiency and itsinfluencing factors of listed commercial banks has a certain theoretical and practicalsignificance to the listed commercial banks or even the entire banking industry.It canprovide some new ideas for the business development,the mode of operation and themanagement philosophy of the banking sector; Can find out the reasons of the relativelylow efficiency commercial banks and take corrective measures;Can provide a reference ofthe efficiency studies of non-listed commercial bank; Can provide the basis for the theregulatory agencies to adjust banking supervision policy.In this study,we select the16commercial banks listed on the Shanghai StockExchange and Shenzhen Stock Exchange as the sample,2007to2011five-year as thesample interval.In order to compare,all samples are divided into two groups,which arelarge commercial banks and small or medium-sized commercial banks by asset size.UsingDEA model to calculate the technical efficiency, pure technical efficiency and scaleefficiency of commercial banks. Then grouping and making horizontal and verticalcontrast,and exploring the reasons of technology invalid;Using the the Tobit method toanalysis the factors that affect the efficiency of commercial banks.By discussing the factorsaffecting the efficiency of commercial banks, the paper put forward a specific proposal toimproving the efficiency of commercial banks in the last.The empirical results show that,compared to small or medium-sized banks, China’slarge commercial banks’ invalid technology is more caused by the invalid scale. Theinvalid technology of small or medium-sized commercial banks is caused by the invalidpurely technology.But generally speaking, the commercial banks in China’s invalidtechnology is caused by the invalid purely technology;The technical efficiency of small or medium-sized commercial banks is slightly higher than that of the large commercial banks,but the efficiency value of small or medium-sized commercial banks exist polarizationstate.In the overall sample group, the Cost-to-Income ratio,Non-Performing Loan ratio,andCapital Adequacy Ratio have strong significant impact on the banks efficiency, while theROE has no significant effect on the efficiency,which indicate China’s commercial bankscan not use its own capital effectively.Judging from the Tobit regressioncoefficients,affecting the most significant indicator of the efficiency of commercial banksis the Capital Adequacy Ratio,followed by the Cost-to-Income ratio, Non-Performing Loanrate and the Non-Performing Loan ratio.