Research On The Efficiency Of Commercial Banks And Its Related Influencing Factors-based On Super Efficiency DEA Model

Since 2007,Chinese economy came into a downward cycle,and under the double flank of market-oriented interest rate reform,progress on the important turning point in the development of commercial banks has met.Facing the new market environment and the heavy impact,how do commercial banks keep good profit ability and development ability in the increasingly fierce competition?Improving the business performance has become the focus of attention.Based on the operating efficiency theory and measurement research of commercial banks,we select of relatively mature measurement methods,namely the super efficiency DEA model to measure the operating efficiency of chinese 16 listed banks.Through the observation of super efficiency technology values we concludes:from the time axis,recently the operating efficiency of listed banks in our country fluctuated in a rising trend increased 25.76%from 0.79 to 1.00;from the cross section of different types of commercial banks there is a difference on business performance level,the highest super technical efficiency for bank is Beijing bank,it's super technical efficiency value is 2.49,the lowest super technical efficiency for bank is Huaxia bank that's only 0.47.On this basis,through the analysis for influencing factors of commercial banks operating efficiency theory,selected the related index structure to set up a multiple linear regression model to explore the influence of different index variables on bank performance,the research shows:(1)the intermediate business income rate is obviously positive correlation with business performance;(2)the cost income rate has significant negative correlation with operating efficiency;(3)there is no significant correlation between the bank's performance and GDP,asset scale,the non-performing loan rate.According to the characteristics and influence factors of chinese listed commercial banks operating efficiency,put forward the following corresponding suggestions:(1)establish and improve the operating efficiency evaluation system of banks and realize effective monitoring market analysis;(2)speed up the business innovation,adapt to the transformation of development and develop intermediary business vigorously;(3)strengthen the market orientation,strengthen characteristic in the integrated management on the basis of the multiple development.