An Empirical Analysis Of The Impact Of Trans-Regional Expansion On The Efficiency Of Urban Commercial Banks

In recent years,with the advancement of China's financial system reform,urban commercial banks have become an important part of China's financial system.Urban commercial banks cross-regional economic exchange With the development of China's economy and the relaxation of cross-regional expansion control continued to enhance the city commercial banks to break through the original single urban development model to the total-sub-branch model development,set off a nationwide Cross the regional expansion of the wave.By the end of 2015,there were 132 city commercial banks in China,of which about 96 achieved cross-regional expansion to varying degrees.In order to effectively determine the impact of cross-regional expansion on the operating efficiency of urban commercial banks,this paper chooses the operating data of China's 40 sample city commercial banks from 2011 to 2015 in the context of cross-regional expansion of urban commercial banks,DEA and Malmquist productivity indices are used to analyze the efficiency of urban commercial banks from static and dynamic perspectives.Based on this,the panel Tobit model is used to examine the impact of cross-regional expansion on the efficiency of urban commercial banks.This paper first elaborates the research background and the research ideas of the city commercial banks at home and abroad by expounding the research background and significance of this field,and puts forward the possible innovations and shortcomings of this paper.This paper analyzes and combs the theory of the relationship between cross-regional expansion and the efficiency of urban commercial banks,including the theory of bank efficiency,the theory of bank efficiency and the economic efficiency theory brought by cross-regional expansion,which lays the theoretical foundation of this study.This paper analyzes the status quo of cross-regional expansion of urban commercial banks,and expounds the development course,expansion mode and development status of urban commercial banks from three aspects.Based on the empirical study on the operating efficiency of urban commercial banks,the BCC-DEA and Malmquist productivity indices are combined to quantitatively measure the efficiency of urban commercial banks from dynamic and static perspectives,and 40 samples of urban commercial banks are analyzed in terms of static efficiency Technical efficiency,pure technical efficiency and scale efficiency.The Malmquist productivity index and its decomposition results are analyzed in detail in dynamic efficiency.The effect of cross-regional expansion on bank efficiency is analyzed by constructing the panel Tobit model.The results show that China's urban commercial banks can realize the improvement of bank efficiency through cross-regional expansion.Finally,through the study of the previous chapters,we get the relevant conclusions and provide reference for the cross-regional expansion of urban commercial banks.In summary,cross-regional expansion has a positive positive effect on the efficiency of urban commercial banks,and urban commercial banks should implement a positive cross-regional expansion strategy.