| In recent years, Through consolidation, cross-regional operation and introducing strategic investors, Chinese city commercial banks had great progress on assets, credit and profit.The Business conditions and comprehensive strength of Chinese city commercial banks become more and more stronger.But the upcoming deposit insurance system and intense market competition make the bank area face to intense market competition.City commercial banks have the serious problems to improve comprehensive competitiveness in order to realize the sustainable development.Therefore,it has important practical significance to the study of city commercial bank efficiency in order to adjust to the complex and volatile market environment.This article use efficiency DEA model and Malmquist index model to study the efficiency of Chinese commercial banks. In a word, This article has six chapters.The first chapter is the introduction.This section pointed out the necessity of study Chinese city commercial bank’s efficiency and combed the related literature on bank efficiency research at home and abroad.It also points out the research ideas and methods of this paper, as well as the innovation and deficiency.The second chapter is the theoretical section. It introduce the concept of efficiency and the efficiency of bank.The bank efficiency measure model was also introduced in detail.It mainly introduced super efficiency DEA model and Malmquist index model, in order to the back of the theoretical basis for empirical analysis.The third chapter mainly introduce the overall development situation of city commercial banks.It use Qualitative method to analysis Chinese city commercial banks development present situation from aspects of the asset scale, capital adequacy ratio and non-performing loan ratio, profitability,etc.The fourth chapter select 34 Chinese city commercial bank as the research object, determine the sample time of 2007-2013.It use super efficiency DEA model to measure the city commercial bank’s efficiency. The empirical results show that city commercial bank’s present a tendency of increasing the operational efficiency, which attribute to the change of the pure technical efficiency improvement.From the view of type.the city commercial banks efficiency is lower than state-owned banks and joint-stock banks. From the view of area, The overall efficiency of eastern commercial Banks is higher than the central and western area, which reflect a certain regional differences.The fifth chapter use the random effects panel data model to study the influence factors of Chinese city commercial bank’s efficiency.It conclude that Chinese city commercial bank’s efficiency will improve if we expand the scale of assets and the ratio of deposits and loan.The non-performing loan ratio and equity structure have non-improved effect on the city commercial bank’s efficiency. It is not significant relationship with capital adequacy and city commercial bank’s efficiency.The sixth chapter is the conclusion of the paper.It put forwards some suggestion of improving of Chinese city commercial bank’s efficiency: including adjusting the size of the assets, strengthen the middle of the business, optimizing equity structure and strengthen risk management.This paper has three innovation aspects:First, it use the super efficiency DEA to measure Chinese city commercial bank’s efficiency, which find a effective solution to measure the size of firm efficiency.Second, this article divide the city commercial banks to eastern, central and western in order to compare this three area efficiency.Then it also compare with the five state-owned banks and eight joint-stock banks.Third, it use the super efficiency DEA technical efficiency as a variable,bank efficiency factors as explanatory variables. Then use the random effects panel data regression model regression. |
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