The Research Of China Commercial Banks Operating Efficiency And Influencing Factors

With the intensification of financial deregulation and financial reform as well as the entry of foreign banks, the intensified competition among banks. The efficiency of the competition is the essence of competition. So, from a practical point of view, combined with China’s national conditions, the efficiency of commercial banks has important practical and theoretical significance.The paper first reviews the relevant literature from a research perspective, research methods and influencing factors, and describes the basic theory and method of banking efficiency. In the subsequent empirical research, the paper is divided into two parts:the measure of the efficiency values and the assessment of factors influencing. The first part, select the2007-201115listed banks in the data for the study, based on independent component analysis and data envelopment analysis compared the efficiency of China’s commercial banks from different angles. Through the comparison of different methods to find the most suitable method to obtain a more accurate efficiency values, and provide a clear basis for subsequent analysis. By comparison of the efficiency values between different years and different banks, we have a relatively clear understanding of the development trend of the overall efficiency of China’s commercial banks and bank efficiency condition. The second part of the empirical regression analysis of the factors that impact on the efficiency, selected six internal governance and external environment, including the impact factors. In this article, the efficiency values are defined between0and1, the data are punctured, so we select the puncturing regression model. Guaranteeing banks:The safety and stability, liquidity, profitability is fundamental to bank development; listed bank efficiency is also an effective measure; As for the efficiency of the market share and the degree of innovation, the results presented a weak the correlation, it is not to say that these two aspects is not important, the opposite of these two aspects is lacking, and we ought to raise the awareness of innovation, enhance business innovation, through innovation to seek development.