Research On The Operational Efficiency Of A Bank

Since 2015, the global economic recovery has been difficult,in China, downward pressure on the economy has increased, the more international banking environment has made the increasingly competitive business environment.If commercial banks want to remain competitive and achieve a stable profit, it is necessary to improve the efficiency of enterprises. Through analyzing the case of A Bank, and using the method of DEA to measure its operational efficiency, we could find out the problems in its operation and analyze the reasons for these problems, then offer the recommendations to improve the overall strength level according to the advanced experience at home and abroad.This paper first combs the correlative theory of the efficiency evaluation of the commercial banks, and makes a qualitative research and quantitative analysis on the operating efficiency of A Bank by using literature research and empirical research. By collecting and collating the relevant data of China's commercial banks and A Bank, the paper then sets up the DEA model and uses the data analysis software to calculate the financial data of the bank from 2005 to 2012. It is found that the input and output of A Bank do not reach the optimal state, so there is still room for improvement.Through analyzing the risk management, organization structure, innovation ability and manpower situation, we finds out the reasons that affect the operation efficiency of A Bank:Inadequate risk control ability, organizational structural defects, lack of innovation and high-quality personnel.According to the analysis of the problems of A Bank, the corresponding improvement measures are put forward:(1) Strengthen risk management. Including: reinforce the risk awareness education and the job responsibility management, perfect risk control system on the basis of the unification of the concept of risk management, strengthen the risk control means, and gradually implement the credit personal responsibility system.(2) Implement organizational reform.(3) Speed up financial innovation. These include innovations in lending, deposit and intermediary business.(4) Strengthen human resources management. Including: pay attention to recruit and remain talent at the same time, enhance the overall professional quality of staff, reform the performance appraisal methods, and reasonably decompress. In addition, in order to promote the improvement of efficiency, it is recommended that A Bank accelerate and fully realize the financial electronic construction.In the final part of the summary, the paper analyzes the shortcomings of the article, and the prospects for future research.The innovation of this working paper is mainly showed in the following two aspects. First, it uses DEA to analyze the technical efficiency and scale efficiency of commercial banks. Second, through analysis of series of financial data, and in consideration of characteristics of the banking industry in China, an indication system for assessing the efficiency of commercial banks is established, which to some extent makes up for the deficiency in related areas in previous research.