A Comparative Study Of Different Types Of Commercial Banks Based On DEA Efficiency

In recent years, with the depth and extent of China’s economic reform and opening up financial markets continue to strengthen, securities, insurance and other financial industry to achieve rapid development through foreign financial institutions have entered this country in an active financial market, but also so that our competitive pressures faced by commercial banks is growing. Meanwhile, China’s financial management policy relaxation, but also for the development of China’s commercial banks to provide a relaxed environment, especially the joint-stock commercial banks, which made rapid development.City commercial banks also take full advantage of the opportunity, as China’s commercial banks "third tier", joined the ranks of competition in the market.In terms of content, this paper selects the Chinese state-owned commercial banks (4), joint-stock commercial banks (8) and city commercial banks (3) of15commercial banks in2004-2011panel data, using data envelopment analysis (DEA) of the bank’s efficiency index was calculated, and the calculation results were vertical and horizontal comparison and found that the existence of three types of commercial banks have their flaws. For the state-owned commercial banks, too large scale is not easy to manage, so that the overall efficiency of state-owned commercial banks is lower than other banks. For joint-stock banks, because it is in the growth stage, moderate size, scale efficiency can still get, but because of the management system, ownership structure and other issues, which restricts the pure technical efficiency. For city commercial banks, these banks were at an early stage, small-scale, scale efficiency can not be obtained, but this city commercial banks to facilitate the management, improve management efficiency advantage, therefore, city commercial banks not only to expand its influence, but also need to seek more policy support. Finally, the author for the three types of characteristics of individual banks were targeted recommendations are given for three types of common defects banks, but also gives the relevant control measures for the supervision and management of physical and inadequate legal bank from the government angle gives a reasonable proposal.