The Evaluation Of Listed Commercial Banks Efficiency Based On The Ownership Structure Differences

Commercial banks as the subject of the financial system plays a decisive role inour national economy. With the full opening of China’s banking market and the rapiddevelopment of Internet banking, the challenges and the impact of China’s listedcommercial banks in terms of the competitive environment, technological innovation,business development are also increasing. Therefore, that how to improve theefficiency of China’s listed commercial banks to make an invincible position bankshas become the focus of public attention.The paper firstly discusses the theoretical connotation of Commercial bankefficiency and ownership structure, than combines with the panel data of sixteen listedcommercial banks in2007-2012, and uses BCC model, super-efficiency model andprojection models,and from the perspective of the differences in ownership structureto measure the listed commercial bank efficiency.In order to achieve multi-input andmulti-output analysis, we refer to the "intermediary Law" construct the evaluationindex system, in which the input indicators include net fixed assets, number ofemployees and total deposits, and the output indicators including net income,operating income and total loans. When selecting the study sample bank, the paperbases on two factors: firstly, whether the sample bank can represent the overallsituation of China’s banking industry, secondly, whether the sample bank data areavailability and authority,and eventually sixteen listed commercial banks are chosenfor the study sample, And while making a qualitative analysis on the efficiencymeasurement results from both nature and constitute equity ownership concentration.The results showed that: all listed commercial banks’ technical efficiency existdifference, five state-owned banks’ efficiency is lower than the joint-stock commercialbanks’ and city commercial banks’; From the perspective of the equity nature, foreignlegal person shares is the highest efficiency,then the general legal person shares andstate-owned legal person shares is following, the efficiency of state-owned shares isthe worst; from the perspective of the ownership concentration, the efficiency of therelative decentralized banks is generally higher than the efficiency of relativecentralized banks, the efficiency of relative centralized bank is higher than the highlycentralized banks’,and within a certain range, the higher the ownership concentration degree is, the lower the efficiency of the banks; the internal factors of affecting thebanks’ efficiency mainly include a large proportion of state-owned shares, as well as arelatively large proportion of the top five shareholders, while the external factorsinclude that the number of employees is excessive, the fixed asset size is too large,and the utilization of the total deposits is not high.Therefore, this paper based on the founded questions during the efficiencymeasurement process, so in the fourth chapter it raised five correspondingcountermeasures and suggestions to improve the efficiency,that to make an attempt toprovide a reference for future development.For example, strictly controlling thelending risk and moderate increasing the lending proportion; carrying outnon-traditional business financial innovation and enhancing the level of bankingservices; state-owned banks should actively absorb private capital, as well asmoderate downsizing; joint-stock commercial banks should implement multi-ofequity management and highlighting the bank’s operating characteristics; joint-stockcommercial banks should moderate expand scale and optimize employee structure.