Study On China Commercial Bank Efficiency And Its Influencing Factors

In recent years, Commercial banks achieved great results based on China’s rapid economic development; on the one hand its assets have been expanding, on the other hand its international rankings has rising. Yet right now the economic structure of China is in deep adjustment, the interest rate is accelerate the pace of market, the financial disintermediation is further exacerbating, the Internet financial market is snatch, private and community banks begin to grow, the management of China’s commercial banks are facing unprecedented challenges. How to improve the efficiency of commercial banks, to keep its competitive and to win long-term development is discussed in this article.The main contents are as follows:This paper summarized the relevant theoretical study of bank business efficiency;divided different types of commercial bank efficiency by the structure of commercial banks revenue, built efficiency measurement index system of commercial banks; using SE-DEA model and EMS2. 0 software measure the efficiency of 16 commercial banks date from 2008 to 2013, and made commercial banks annual efficiency rankings charts,comparison the difference between the efficiency of commercial banks; built efficient internal management of commercial banks and external environmental factors index system, using multiple linear regression model and Eiews6.0 software measure and analyze the correlation between the various factors and business efficiency as well as the significance level; proposed commercial bank efficiency improvement measures.Conclusions of this study are as follows:The highest TSE and SSE is City commercial banks, because the ownership structure of city commercial bank are more diverse compared with other commercial banks; the highest ISE is state-owned commercial banks, as it is the largest state-owned banks; in 2013 China has full opened the liberalization of lending rates, joint-stock commercial banks rely on a higher proportion of high-level talent, a diversified ownership structure and certain economies of scale, greatly increasing its non-interest income, let its IST higher than state-owned commercial banks, which also led to the efficiency of its SST over the state-owned commercial banks in 2013.Both internal management factors and external environmental factors do affecting commercial banks’ efficiency. For TSE and SSE, a diversified ownership structure, big size of bank assets and perfect corporate governance can promote efficiency gains, yet without full use of human resources, the increasing weak asset allocation, low savings and loan spreads and shrinking GDP growth is hindering its efficiency. For IST positiveimpacts are: to improve the quality of human resources, diversified ownership structure,expend the size of bank assets, profitability higher asset allocation and shrinking savings and loan spreads; negative effects are: increasing non-performing loans owed to match corporate governance and the slowdown of GDP. Currently to improve the efficiency of commercial banks; it is necessary to improve the coordination of human resources and corporate governance, to coordinated the development of the size of banks and its asset allocation, to optimize the structure of property right and focus on improving the ability to innovate.