Study On The Operating Efficiency And Its Influencing Factors Of China’s Listed Commercial Banks-based On The Super-SBM Model

The economic situation is still relatively serious in our country. The problems and contradictions we are facing will become more complex. Due to the advancement of mercerization of interest rate, net interest margin narrowed, the Chinese banking operations feel more pressured, and along with the RMB join into the SDR, a rare new profit growth point is provided to China who is affected by multiple factors test. The discretion of the management efficiency of the banking sector will be directly related to the effect of the whole social economic resources allocation, affectting the entire social and economic development. Finance and academia in recent years has made the research of commercial bank management efficiency as a key topic. The research content mainly includes: the current situation of our country commercial bank management efficiency, the factors that influence the operational efficiency of commercial Banks in China and how we should do to improve the operational efficiency of commercial Banks in our country. This article also focuses on these questions from measuring the bank operating efficiency to the factors influencing the operating efficiency to study China’s commercial Banks.On the basis of related research references, this paper studies from the following several aspects:(1) According to the frontier efficiency perspective, scholars usually use the SFA method, DEA method and SBM method.On the basis of the introduction of commonly used method before, we give the new method that usually used in industrial enterprises-----Super- SBM model for defining the Banks operating efficiency. Then accordingly to this method, we measured the operational efficiency from 2007 to 2014 of the listed commercial Banks and analyzed the urban commercial Banks, joint-stock commercial Banks and state-owned commercial Banks’ operating efficiency value differently.(2) In recent years, the discussion about the factors that impact of operational efficiency of commercial Banks, they are mainly divides into tow parts: the internal factors and external macroeconomic factors. So this article is based on both the tow parts to analyze its influence on efficiency of listed commercial Banks.(3) The internal management is different of the large listed commercial Banks and small and medium-sized listed commercial Banks, thus its operating efficiency is different. This article also considered the differences in different types of commercial bank management efficiency.(4) From the above empirical research results, this paper put forward the strategies to promote our country’s bank operating efficiency from the bank’s own management,business innovation, the development of the Internet financial and financial regulation.On the research methods, this paper will use the method of combining theoretical analysis, empirical analysis and comparative analysis, and studies the efficiency of banks with multiple perspectives. It lists innovation in the following areas:(1) we select a new method which is used in measuring industrial enterprise’s efficiency to measure the efficiency of listed commercial Banks. This model overcomes the defect of traditional DEA and SBM models. It breaks through the limitation of the Banks operating efficiency that cannot be more than 1.(2) when we analyze the factors that affecting the operating efficiency of listed commercial Banks,we adopt the bank’ deposit and lending margin into consideration.