Research On The Operation Efficiency Of Chinese Commercial Bank Based On The Perspective Of Diversification

Diversification is a new breakthrough to improve the efficiency of commercial banks. However, we can draw a conclusion from the foreign commercial bank cases that diversification is not always a "golden rule". In recent years, business environment of commercial Banks in China is faced with many new changes. Diversification can promote our country commercial bank management efficiency or not? Under the background of current business, commercial banks in China should develop what kind of diversification strategy? It is urgently needed to solve these problems. Academia has not yet formed a consistent view. Therefore, the research on the relationship between the diversification of commercial banks and the operating efficiency has an urgent practical and theoretical significance.This paper is divided into five parts. The first part is the introduction of the background and significance of the research, the review of the literature on the relationship between the diversification of commercial banks and the operational efficiency of commercial banks at home and abroad, research methods and technical route; In the second part, the paper briefly introduces the concept and theory of the diversified management and operation efficiency of commercial banks, and analyzes the mechanism of the diversified management to commercial banks' operating efficiency; The third part, the paper, based on the DEA model, calculates the efficiency of 100 commercial banks in our country from 2014 to 2008, and then analyzes and compares the efficiency value; The fourth part is the core part of this paper. In order to make the conclusion more convincing, this paper constructs the general panel model and the panel threshold model, which is based on the total assets, and compares the effect of the research on the business efficiency of the commercial banks. By comparison, the three panel threshold model of the best estimates, and the three threshold values were RMB 25.34, 48.92 and 131.31 billion Yuan. The conclusion shows that the impact of diversification on the operational efficiency of commercial banks is different with the change of asset size. First, the asset size of less than RMB 25.34 billion Yuan, of commercial banks is not suitable for diversification; second, the asset size of moderate level(between RMB 25.34 and 131.31 billion yuan) of commercial banks, diversified business will have a significant positive effect on business efficiency, but after a certain level of capital production(RMB 48.92 billion yuan) this promotion will be reduced; finally, the asset size is greater than RMB 131.31 billion yuan of large commercial banks, diversified business will not be conducive to the improvement of the level of operating efficiency. The research results of this paper shows that the analysis method of the different equity nature of the banks' diversification is not appropriate when many scholars are doing the relevant research.: The last part of this paper is the conclusion and policy recommendations.