A Study On The Measurement And Influencing Factors Of Bank Efficiency

The rapid development of Internet economy of our country's current economic structure and pattern have a huge impact,especially the impact on the traditional banking is most obvious,makes the Banks rely on spreads to maintain its profit pattern changing,so to study the effect of this aspect,bank efficiency is the unavoidable topic.For bank efficiency,the orthodox academic research venation is to measure the efficiency of the bank value first,and then build a model to analyze the influence factors of bank efficiency value,based on this,further refine research in this paper,that is to say,on the basis of the analysis of the influence factors of bank efficiency,further analysis of the threshold of the number of bank branches on the bank efficiency effect.First of all,this article embarks from the introduction to the definition of bank efficiency,since the whole article to around the banking efficiency value is analyzed,then must be on the premise of clear definition of bank efficiency.Down is the details of the current research progress on the efficiency of the bank.To illustrate more regulations,also in order to give the paper build a theoretical basis,literature review of this article is mainly from the two lines: A line from the obtained on bank efficiency factors at home and abroad this paper argues that the five factors influencing the efficiency of bank,and the five factors as the second line of control variables;Another line is both at home and abroad about the relationship between the branch number and bank efficiency of literature.Second is Bank efficiency measure in network DEA,Before this,this paper first introduces the commonly used several kinds of bank efficiency measure method,and compares the advantages and disadvantages of these methods,eventually determine the efficiency of Banks with network DEA to measure.Again is the main body of this paper,efficiency measurement results in the bank,bank technical efficiency is measured with gaussian software first threshold effect does not exist or threshold value.Banks unique pure technical efficiency exist double threshold value.Pure technical efficiency of the next step is for Banks to establish panel threshold model,concluded in three stages,each stage of threshold coefficient of the variable number of bank branches,and get the five control variable coefficient.At the end of the paper according to the above conclusion,Is the number of bank branches of the two nodes,are 2151 and 5512 respectively,in order to put forward some policy Suggestions.Such as the branch of agricultural bank of relatively more,and thenumber of branches of bank of communications is relatively moderate.