Of 13 Listed Commercial Bank Efficiency And Influencing Factors

Bank efficiency is one of the major problems for many economists to concernand research, and at the same time, also attaches great importance to the Banksmanagement. The discretion of the bank efficiency is the embodiment of the bank’sperformance also can reflect the comprehensive competitiveness of Banks, improvingthe efficiency of bank cost and effective control of the bank is the key for banks toobtain competitive advantage. Since reform of shareholding system, China’s bankshas made significant progress in the management level, management ability, thequality of assets, etc, the efficiency of bank level also improved obviously. Empiricalresearch of this paper is to measure bank efficiency level, on the basis of analyzingfactors that influence efficiency of commercial Banks, and accordingly put forwardcorresponding improvement measures, so this article research has importanttheoretical and practical significance.At first, this paper puts forward the research background and significance ofbank efficiency in our country, systematically reviewed the research status of bankefficiency at home and abroad, points out the problems existing in the current researchon bank efficiency, This paper after review the related literature at home and abroad,the selection of13state-owned and joint-stock commercial Banks in China as theresearch sample, in the period2001-2011, a total of11years of operating condition asthe research object, chooses labor, physical capital and loanable funds as inputvariables, the interest income and non-interest income as output variables, using theclassic DEA model estimates the technology efficiency of Banks every year values,pure technical efficiency and scale efficiency value, using the super efficiency DEAmodel size has carried on the comparative analysis on the efficiency of Banks.Theanalysis shows that the overall efficiency of the joint-stock commercial banks,commercial banks in China, higher than the efficiency of state-owned commercialbanks.In the analysis of samples, the China Merchants Bank is the most efficient to1.24in the all banks.In the five state-owned commercial banks, the efficiency is less than1, the most efficient Bank is Bank of Communications, followed by ChinaConstruction Bank.Further by super efficiency DEA values for the dependent variable, this articlefrom the macro factors that influence efficiency of bank, bank endogenous factors, thetwo aspects of selecting respectively reflect macroeconomic factors such as GDPgrowth, bank scale, the innovation into degrees, stability, profitability, asset allocationand corporate governance variables as independent variables, the bank’s owncharacteristics, such as using Tobit model analysis of their impact on bank efficiency,and to analyze the empirical results.The results showed that in the explanatoryvariables are taken, the total assets, net profit, capital allocation (loan-to-deposit ratio),the ability to innovate (non-interest income/interest income), the efficiency of theCPI and commercial banks are positively correlated, and regression coefficient Pvalue of less than0.05, the significance level of5%, the regression coefficientsignificant test.Own assets ratio (equity/total assets), asset expense ratio (operatingexpenses/total assets), capital adequacy ratio, the market share of the possessionratio (bank assets/total assets of all banks) and banks’ efficiency the quality of loans(loan loss provisions/total loans), agency costs (operating expenses/operatingincome) the P-value of the regression coefficient is not significant.Finally, in this paper, making a summary for the full text of the empiricalresearch, coming up with some ways to improve the efficiency of commercial Banksin China.