Research Of Commercial Bank’s Efficiency From The Perspective Of The Scale

The competitiveness is mainly about the efficiency.Competitive weakness stands forless competitiveness,and it’s also a huge waste for the society.So we have to improve ourcommercial bank efficiency,combing with our realities of situation,having a research oncommercial bank of different scale,to find out the efficiency variance and the key pointswhich influence banks efficiency among our country’s banks,and then,understanding thesepoints influence our different scale commercial banks by which way and to what degree,atlast,putting forward some targeted improvement measures and solutions.First take public bank asset size and number of institutions into reference, then divideour country16public bank into large, medium and small commercial Banks with the help ofSPSS cluster analysis.Use DEA to make Malmquist TFP exponential model to domeasurement for different sizes of our country commercial Banks’s static efficiency anddynamic efficiency change in the year of2007-2012. Analyze the efficiency of influence ofDifferent size commercial Banks in our country’s econometric model based on panel data.The results showed that:Medium-sized commercial banks have the highest Technicalefficiency levels, small commercial Banks take second place, large-scale commercial bankshave the lowest. Medium-sized commercial Banks have the highest productivity growth indexin Malmquist TFP, large-scale commercial banks take second place, Small commercial Bankshave the lowest. Take The influence factors into consideration,M2growth rate,non-interestincome,non-performing loan ratio and return on total assets have deterministic effect on ourcountry’s commercial banks. Asset market share and capital adequacy ratio have outstandingnegative effects on large commercial Banks in our country while positive influence on smallcommercial banks. Cost income ratio has positive influence on medium-sized commercialbanks and negative effects on small commercial Banks in China, Mobility has negative effectson large commercial banks in our country while not obvious significance on Medium andsmall commercial Banks.This paper has six chapters. The first chapter is introduction, which mainly introducesthe research background and significance, the domestic and foreign research situation, maincontent and framework, innovation and deficiency; The second chapter is some concepts andmeasures of commercial bank efficiency,and DEA model,Malmquist TFP Index model;In thethird chapter,we determine the input and output indications at first,then,we use DEAefficiency measure method to measure the efficiency between the large,medium and smallscale commercial banks statically;The fourth chapter is the dynamic analysis of efficiencyamong different scale commercial banks with the help of Malmquist TFP index model;Thefifth chapter makes a variance analysis on the factors that influence of large,medium and small scale commercial banks.firstly,we introduce the effects on which would haveefficience on banks in detail,then,by constructing a panel data model to make a regressionanalysis on the factors that may influence different scale commercial bank efficiencyrespectively, thus to find the main factors that having different measures and differentextent.The sixth chapter is conclusions, which conclude the main conclusions of this paperand the way to improve China’s commercial bank efficiency.