The Research On Relationship Between Capital Adequacy Ratio Of Commercial Banks And Bank Efficiency In China

United States subprime mortgage crisis happened in2008, then quickly caused the global financial crisis. This financial crisis has fully exposed the operating risk of financial institutions. The banking industry is an important part in financial market. In order to maintain the stability of the banking system, the Basel Committee revised the new Basel capital. The capital adequacy ratio as the core of the new Basel agreement is taken seriously by more and more countries of market economy.The history of capital adequacy supervision in the commercial banks can be seen that the history is game between capital adequacy ratio and the bank efficiency. Bank capital adequacy supervision should make to capital adequacy requirements and maintain the stability of banks. At the same time bank capital adequacy supervision should prevent the harm of bank efficiency caused by high capital adequacy requirements. In order to analyze China’s current capital adequacy supervision, select13listed commercial banks in China as the sample. Use the DEA method and financial index analysis method to analyze the bank efficiency of our country commercial bank. Then establish panel data model to research the relationship between capital adequacy ratio of commercial banks and bank efficiency in china by EVIEWS6.0. Research using DEA method shows that the relationship of the capital adequacy ratio and comprehensive efficiency of commercial banks in China appears inverted U shape. Research using financial index analysis method shows that that the relationship of the capital adequacy ratio and bank profitability index is positive relationship and that the relationship of the capital adequacy ratio and bank liquidity index or capital quality and safety index is negatively correlated.Summarize the analysis of current situation of China’s commercial banks and the empirical results. In order to coordinate the relationship between the capital adequacy ratio and bank efficiency of commercial banks in China, put forward opinions and suggestions from two aspects to optimize capital adequacy supervision and bank efficiency. Capital adequacy supervision should conform to international supervision system and keep the validity. Optimization of bank efficiency should improve the capacity of capital accumulation and their management ability. If the relationship between the capital adequacy ratio and the bank efficiency cloud be coordinated goodly, china’s commercial banks can maintain the sustainable development.