The Efficiency Of China's Commercial Banks

In the future, improve efficiency will be the key to the commercial Banks in the competition. Case study by choosing appropriate input and output index of our country commercial bank efficiency, analysis among these indicators, the influence due to the changes of efficiency and comparing the relative efficiency of different types of Banks, finally put forward policy recommendations for future Chinese commercial Banks to improve efficiency. therefore, the study of the efficiency of commercial Banks is of great significance:regulatory policies for national regulators provide relevant theoretical basis, based on the climate change trend of current financial, the task of the reform and development of commercial Banks in China is very difficult, especially how to realize the marketization of interest rate and exchange rate in the future, how to solve the homogeneity of commercial Banks business problems of non-performing assets is higher and higher. To enhance the competitiveness of Chinese commercial Banks, reduce operating risk has the realistic meaning, along with the advancement of China's financial market, domestic commercial banking competition will intensify. Maintaining financial industry's stability and development of promoting the economic growth is now very important, commercial bank's efficiency, far in excess of the commercial bank itself through bank indirect financing is the main structure of financing in China, the commercial bank efficiency is directly related to the optimal allocation of capital within the scope of social.This case in the first place of domestic commercial Banks and explained the change of business environment. It studies commercial bank's interest rate marketization, technological and scientific improvement, the develop trend, at four point wealth-management business growth and comprehensive development meanwhile, from the macro level, industry level and financial indicators level qualitative analysis the influence factors of efficiency of commercial Banks.Secondly by using single index analysis method to 17 commercial Banks in China from 2007 to 2012 operating earnings of financial indicators, cost financial indicators and the allocation of resources financial index were analyzed and compared. At the same time using data envelopment analysis method to this case selected 17 commercial Banks from 2007 to 2012, the total factor productivity change and its decomposition index calculation and analysis, found that 17 the overall management of commercial Banks is to improve the efficiency in these few years, including medium-sized commercial Banks operating efficiency is the highest, next big commercial Banks; small commercial Banks to a minimum, three Banks operating efficiency were increased.Case selecting large commercial Banks in the sample of industrial and commercial bank of China and China merchants bank and medium-sized commercial Banks sample of Beijing bank, commercial bank sample to compare three Banks bank scale, organization structure, equity structure and business structure four aspects to the similarities and differences, and then explain the impact of these influence factors on the efficiency of commercial Banks.The last case gives the conclusion:during the 2007-2012 six years, large commercial banks efficiency was the lowest, and poor stability, and medium commercial bank efficiency is the highest, and has better stability, small commercial bank efficiency is high, and the stability is good; in the seventeen commercial banks in China does not exist obvious economies of scale; asset scale, expense ratio and non-performing assets lending rate has a significant negative effect on the efficiency of commercial banks; and the positive effect of asset returns and the loan to deposit ratio on the efficiency of commercial banks, the influence is bigger.