The Empirical Research On Medium And Small Commercial Bank Efficiency

In recent years, China’s small & medium commercial banks have made rapid development, It has been an important part of commercial banking system in China, SMCBs was played an important role for providing service of the real economy. As SMCBs have the characteristic of dispersed, many institutions and differences, there are a lot of differences on efficiencies. Enhance the efficiency of SMCBs has important significance for China’s banking industry. We need to research and focus on the efficiency of SMCBs.Firstly, This thesis compare the studies on the evaluation methods of the efficiency on domestic and foreign commercial banks, sort out the theories and methods of commercial banks efficiency evaluation. Secondly, based on the characteristics and development status of SMCBs, combined with the current situation of SMCBs, using Nonparametric method-DEA model analysis sample data of 154 SMCBs in 2012—2014 to measure the banks efficiency, Research the efficiency of SMCBs with data analysis results and the actual situation. finally, By econometric methods and SMCBs’ efficiency evaluation results the thesis find the conclusions of the internal and external factors affecting the efficiency of SMCBs. SMCBs’ efficiency has maintained a steady improvement in recent years, and the main loss of efficiency has came from the scale inefficiency. This thesis considers that SMCBs can enhance operational efficiency by increasing the scale, operation across the region and IPO.