A Study On The Forefront Efficiency Of China Commercial Banks Based On Three-stage DEA Model

The commercial banks are the most important part of China’s financial system. With the gradual deepening of the domestic financial reform, a large number of state-of-the-art management of foreign banks to open branches in China, Domestic commercial banks operating business and profitability has been a huge impact. Face of increasingly fierce market competition, most of the domestic commercial banks will divert attention to upgrade their management level, the efficiency of asset allocation level and scale up, only by doing so can in an invincible position in the fierce competition at home and abroad. Therefore, in this paper study the level of efficiency of the domestic commercial banks, has important theoretical and practical significance.City commercial banks as one of China’s commercial banks operating patterns, although the size of its assets in the total assets of the commercial banks in China account for only about10percent, but in recent years the growth rate of assets and liabilities is the highest in three categories of commercial banks, the development is very rapid, therefore be included in the commercial bank efficiency study is very necessary. In order to measure and reflect the level of efficiency of the three types of domestic commercial banks comprehensively and analysis of all kinds of factors that affect the efficiency of commercial banks, this article selected19commercial banks as the research object, contains three city commercial banks (Bank of Beijing, Bank of Nanjing, Bank of Ningbo), and use the three-stage DEA method to calculate and analyze the management and operational efficiency of these19commercial banks, and then find out the reasons that affect the change.Finally, combined with the earlier conclusion, four substantive recommendations on how to effectively improve the problem of the three major domestic commercial bank operating and management efficiency.Overall, compared with banks in developed countries, domestic commercial banks in business management, there are still many problems and shortcomings, but we should still be optimistic and cautious approach to look at the reform of China’s commercial banks and their efficiency, actively and steadily push forward the reform of China’s financial system, enhance the efficiency of the operation and management of the domestic banking sector, in order to enhance the profitability of China’s commercial banks and core competitiveness in the international arena.