A Comparative Study Of The Efficiency Of Chinese Commercial Banks Based On DEA Method

Commercial banks occupy an important position in the banking system,and the development of China's banking industry is mainly rely on scale of operation,wide market share of business scope,but in the background of economic globalization and market liberalization,the banking industry is becoming more competitive,only by improving the economic efficiency of the banking industry can have a competitive advantage.In this paper,with bank actual operating activities,using multi factor input and output mode of DEA,analyzed the efficiency of commercial bank.On this basis,analyzed the factors that affect the efficiency,provided suggestions to the empirical level for improving commercial bank efficiency.To this end,the research content of this paper mainly included the following four parts:The first part is literature review.Mainly related to commercial bank efficiency of domestic and foreign,on the factors affecting the efficiency of commercial bank.Finally pointed out the method,content and purpose of this research.The second part introduces the main theories and methods of commercial bank measurement.The theory and method of DEA is discussed in the paper,Malmquist Productivity Indexes,DEA-TOBIT two step analysis,And analyzed the applicability of DEA related theory in the paper.The third part is the empirical research,mainly divided into two aspects:(1)structured efficiency index system of multi input and multi output.(2)evaluated on the efficiency of 16 commercial banks.Specifically,DEA method is used to calculate the value of different efficiency,analysis of redundancy.(3)With Malmquist Productivity Indexes Model,studied on the dynamic changes of commercial bank efficiency in the last 8 years,analysis of the existence of technological progress.(4)TOBIT regression model was used to find out the factors that affect the efficiency of commercial bank.The fourth part is the countermeasure suggestion.According to the results of empirical analysis,countermeasures and suggestions on improving the efficiency of commercial bank.(1)The right strategic positioning,improve the efficiency of scale.(2)Vigorously develop intermediary business,improve the technical efficiency.(3)Continue to deepen the reform of state-owned banks.(4)Strengthen the financial innovation and the development of science and technology.(5)Strengthen the management of bank.(6)Gradually changed to rely on improving the quality of production factors and the utilization efficiency to achieve economic growth.With the deepening of the reform of the financial system,the financial system of our country occurs positive changes,but at the same time,it also faces strong competition of foreign banks,how to improve commercial bank as a whole level of performance relationship to the gradual improvement of China's financial system.This paper intends to construct the index system,comprehensive evaluation of the performance of the 16 commercial banks in China,make our country commercial bank can stable operation,improve the market competitiveness.