Chongqing City Commercial Bank Efficiency Evaluation And Influencing Factors

The efficiency of commercial bank represents the internal performance, as well as the real competition ability of a bank in the whole financial market. Since1997, the year when Chongqing has becoming a municipality directly under the Central Government, the constant and rapid development of regional economy and finance, help in expanding the scale of financial assets, with improving the whole financial system. After all, the efficiency is the key to operation merits for a commercial bank.This paper reviews the domestic and foreign commercial banks efficiency study of relevant literature, with relevant theoretical models and empirical conclusions. Providing reference for the research of this article suggested by comparing the different theoretical perspectives and example analysis, eventually it determines the service efficiency and profit efficiency of the double efficiency of study as a breakthrough and an innovation point of this study, which combining with the characteristics of Chongqing commercial bank’s own development at the same time.In the process of empirical analysis, this study firstly introduces the economic and financial background of Chongqing commercial banks’ development. Through the concrete analysis of relevant economic indicators, it shows the certainly and analyze the tendency of commercial banks development in Chongqing, highlighting the significance of commercial bank efficiency in the development of regional economies. This paper uses the super efficiency DEA model firstly in the process of studying25banks of Chongqing in2012. Through the static analysis for commercial bank efficiency, the result shows that service efficiency of commercial banks is generally higher than profit efficiency. Based on total factor productivity (TFP) of Malmquist index method, it analyzes service efficiency and profit efficiency changes in15commercial banks from2008to2012, and sums up the differences of efficiency of commercial banks growth. In order to get further analysis of changes in efficiency, it finally from micro level considers the different influence on various aspects, and selects five factors such as market share, stability, loan quality, the allocation of resources and innovation ability which represented by the ratio of total assets, debt ratio, counter coverage, bad loan ratio and Intermediate business income. Through analysis of Malmquist index mode explained by service efficiency and profit efficiency Chongqing commercial bank, the result shows that the efficiency of growth of Chongqing commercial banks mainly roots in scale expansion and internal adjustment, but the influence from the growth of innovation ability to bank service efficiency and profit efficiency of change at this stage is not obvious. Finally, based on the empirical study, it summarizes and gives suggestions to promote the efficiency of Chongqing commercial bank.