Research On The Operating Efficiency Of China's Listed Commercial Banks Under The New Economic Norm

At present,China's economic development has entered the "high-speed,excellent structure,new power,more challenges," the new normal.Under the new economic conditions,the growth rate of economic growth and the rate of money circulation decrease,and the credit scale,debt cost and financing demand structure of listed commercial banks in China have undergone profound changes.At the same time,some regional and industry customers have appeared in the process of structural adjustment Business difficulties,prehidden part of the risk gradually exposed.In addition,under the new normal state of the domestic financial market financing model diversified rapid development,the main position of commercial banks indirect financing decline,the bank's development environment has undergone a profound and profound changes in China's listed commercial banks operating efficiency decline,profitability of the continuity gradually decreases.In this context,this paper gives a comprehensive empirical analysis of the operating efficiency of China's listed commercial banks under the new economic conditions.Firstly,it analyzes the internal and external factors that affect the operating efficiency of China's listed commercial banks under the new economic norm,and makes a detailed analysis based on the transmission mechanism of the influencing factors of commercial banks' operating efficiency under the new normal state.Secondly,taking into account the market function of the commercial banks under the new economic norm and combining the five methods to select the input-output indicators,to ensure the objectivity and scientific nature of the research conclusions,and select the 2008-2015 Shanghai and Shenzhen Of the 16 listed commercial banks as decision-making units,the sample time is divided into two new periods before and after the economy,the decision-making unit is divided into large state-owned listed commercial banks,non-large state-owned holding of a nationally-listed commercial bank and city listed commercial banks three types.DEAbased CCR model and BCC model are used to calculate the technical efficiency,pure technical efficiency and scale efficiency of China's listed commercial banks from 2008 to 2015.Then,using Malmqiust exponential model and its decomposition index from the dynamic perspective on China's listed commercial banks The sustainability of the problem of research.And analyzes the efficiency of the different types of listed commercials before and after the new economic norm,revealing the gap between the efficiency level of China's listed commercial banks and the commercial banks that are in the forefront of the new economy.Finally,the empirical results show that the static technical efficiency measure of the economy under the new normal state of China's listed commercial banks is compared with the average annual economic efficiency of the first four years of the economy is declining,the dynamic Malmqiust index is derived from the economic Under the new normal state,the total factor productivity of China's listed commercial banks is increasing,and it is more stable than before the new economy.In terms of grouping,the operating efficiency of different types of commercial banks is unbalanced.According to the above conclusions,three different types of listed commercial banks are proposed to improve the efficiency of the operational measures.To provide a basis for the adjustment of resource allocation and management strategy for listed commercial banks in China so as to facilitate the relatively inefficient banks to enhance the internal management level of the banks,improve the technical efficiency and total factor production efficiency in the operation process,enhance the bank's own comprehensive strength,Investment and output,size and benefits and professional financial services capabilities have the necessary practical significance.