The Research Of Commercial Bank Service Outsourcing Effects On Financial Performance

Since 90s of the last century, with continues increasing of world economic integration process, banks are facing unprecedented challenges, business innovation is a strategic choice for the bank to cope with fierce competition. Global information, the rapid development of communication technology and constantly open financial markets have made financial services outsourcing concern. The essence of commercial Banks business outsourcing depends on the bank with the outsourcer by market division of labor, as the outsourcers are professional service providers, their services will more efficient than non-professional integration of self-service banking. Therefore, although market transactions between commercial Banks and service outsourcing business is cost, but in the case of specialization benefit is higher than the market transaction cost, outsourcing is a kind of effective economic organization, it can improve the productivity of bank, thereby enhancing the core competitive advantage of the bank.This article from the commercial bank's financial performance perspective to analysis the impact of banking services outsourcing, first defined the commercial banking services outsourcing meaning, evaluation index types, causes, risk and Banks' financial performance evaluation indicators, using super marginal analysis method to specific analysis how bank service outsourcing affect the bank's financial performance, it is concluded that the outsourcing of commercial banks have a positive impact bank's cost efficiency, profitability, safety and stability, and then descriptive analysis China's commercial bank's service outsourcing and bank's financial performance, summarize relevant factors that restrict the bank's performance improvement; Secondly using measuring software for 13 commercial Banks in China in 2006-2013 panel data for empirical analysis, the results show that the bank's financial service outsourcing on performance of commercial bank profitability in the short term negative influence, but for a long time to positive effect; on bank's cost efficiency, security and stability of short-term effects are not significant, but the long-term positive effect, therefore, commercial Banks should be encouraged to service outsourcing.Commercial bank service outsourcing has significant effects on Banks' financial performance, but there are certain risks in the process of service outsourcing, restricted the bank to promote the efficiency of management, therefore, commercial Banks should based on its own core advantages to determine the scope and level of outsourcing, at the same time, cooperate with regulatory authorities to strengthen risk management, and then building a healthy, orderly outsourcing market.