| Commercial banks as an important subject in the financial markets, it’s operating results and risks related to the efficiency of the financial system, affect the prospects for economic development. Several of the financial crisis in human history from the opposite confirms this fact. In China, although the financial reform deepening, but the banking sector plays a decisive role in the financial markets remains unchanged. With the improvement of accelerating the development of financial reform and financial markets, financial products and tools are emerging innovation, efficiency of China’s financial market will be enhanced. Who live in one of China’s banking sector will face a new round of opportunities and challenges, how to balance the relationship between efficiency and risk management of commercial banks once again become an important issue. In view of this, study the relationship between bank exposures and efficiency with panel data models of this article will be listed commercial banks as a sample study empirically the relationship between China’s commercial banks risk and efficiency, using malmquist index measure of bank efficiency model.The results show that in 2007-2012, the risk-taking of China’s listed commercial banks bear the increasing trend year by year level, the risk-taking of different types of commercial banks to assume different levels; changing the direction of advancement of technology and changes in the direction of the bank TFP is consistent, technology our progress is a fundamental driving force banks to improve efficiency; risk-taking of banks bear a negative correlation between the level and efficiency of China’s listed commercial banks, the risk-taking of state-owned banks, joint-stock banks and city commercial banks bear the degree of influence on the level of bank efficiency is obvious differences in the efficiency of city commercial banks change the sensitivity of the highest risk, followed by joint-stock banks, state-owned banks to a minimum. |
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