An Empirical Study On The Influence Of The Inter-Bank Business To Listed Banks Efficiency

Inter-bank business is an emerging business of commercial banks in recent years and it witnesses a rapid development. At the same time, its business is changing gradually from the traditional inter-bank lending, inter-bank deposits and other business to a variety of complex derivatives direction. Commercial banks have a certain line of credit each year, when the credit scale reaches the line, under normal circumstances, there would be large cuts, or even stop lending. However, due to its competitive pressures in recent years, and especially in the new normal economic environment, commercial banks have to increase the intensity of reform and innovation in order to keep on improving its profitability and competitiveness. Inter-bank business is not limited by the assets scale in the financial statements, so the business model is more favored by the commercial banks. They also begin to increase the asset size of configuration. Therefore, the relationship between commercial banks and the inter-bank business is more worthy of our in-depth study, such as which business is more significant to enhance the efficiency of commercial banks and which is not.This paper focuses on the relationship between the efficiency of commercial banks and inter-bank business development through an empirical research. Firstly, the background of inter-bank business development and the related theories are necessary to comb; secondly, based on the inter-bank business panel data of 13 listed commercial banks, the time span from 2011 Q3 to 2014 Q3, by using DEA analysis methods to measure the efficiency of commercial banks, and using panel data models while introducing the relevant control variables, the relationship between the efficiency of commercial banks and inter-bank business development is empirically analyzed; Finally, based on the results of the empirical analysis, this paper proposes some recommendations to promote an ordered development of inter-bank business between Chinese commercial banks.Through the empirical research, this paper draws the following conclusions:firstly, the increase of inter-bank assets scale of listed commercial banks in our country helps to improve the efficiency of commercial banks; secondly, the increase of inter-bank liabilities of our listed commercial banks will have a negative impact on the efficiency of commercial banks; thirdly, the increasing fee and commission income of Chinese listed commercial banks will help to improve the efficiency of commercial banks; fourthly, the relationship between the capital adequacy ratio of Chinese listed commercial banks and the efficiency of commercial banks is positively correlated.