Research On The Influence Of The Efficiency Of Listed Commercial Banks’ Internationalization

As the gradual advancement of financial globalization, the internationalization ofbanks also shows an irreversible trend. At the same time, the Commercial Bank of ourcountry through active investment set up overseas branches, overseas mergers andacquisitions and overseas bonds issuance of operating mode, overseas institutionalarrangement, assets scale is continually expanding, that will bring important influence onthe overall level of efficiency. In view of this, researching on the internationalization ofcommercial banks on their efficiency has the extremely important practical significance.Due to the current our country commercial bank in the internationalization process,the expansion of overseas business scale and no good driving overseas profits, therefore,The internationalization of Listed Commercial Banks and its efficiency as the researchobject, attempts from the theoretical research on the basis of empirical to study thechanges in bank efficiency based on the perspective of internationalization. In theory, firstdescribes the research background and significance, research theories at home and abroadrelated to straighten out; secondly, describes the relevant content of theinternationalization of banks and the efficiency, and then elaborate on the impact ofcommercial bank internationalization management on efficiency; finally, in-depth analysisof the current situation of the development of International business of Chinesecommercial banks and the efficiency of the bank efficiency status, this part, mainly is thedata envelopment analysis using non parametric method is to measure the efficiency of16listed commercial banks in our country during2005-2012in value, and discusses theconcrete manifestation of the internationalization of banks affect bank efficiency.The measurement model by using multivariate regression empirical analysis on thecorrelation between the international business and bank efficiency. firstly, using dataenvelopment analysis Malmquist index to measure the efficiency of16listed commercialbanks during2005-2012based on the value, in9of7banks and the degree ofinternationalization of the higher degree of internationalization sample time zone is low,and the efficiency of the two values are compared and analyzed, the results found that theaverage efficiency value of the former than the latter; then, the efficiency of Malmquistindex measured values as investigation index, using the regression model to conductin-depth analysis of influence between listed commercial bank internationalization and therelationship of efficiency, we can learn from the results: the internationalization management has different influence on bank efficiency through a variety of channels,when the other conditions remain unchanged, Overseas profit ratio and overseas non netinterest income accounted for the significant positive correlation of bank efficiency, butthe expansion of overseas assets scale blindly, but adverse impact on the bankingefficiency. In view of this, we have the necessity from three aspects of commercial bankassets abroad, foreign profits and net foreign interest income, effectively reduce theadverse effects of the internationalization management of commercial bank’s efficiencywill increase the positive impacts of the corresponding.