A Study On The Efficiency Of China's Commercial Banks And Its Influencing Factors

With the prosperous development of China's financial industry and China's financial market gradually opening, the financial sector in GDP's proportion is more and more heavy, which became the core industry to promote the development of our country's economy. And banking which is the most important part of the financial sector, its development scale and size determine the prosperity of our country's financial sector. Due to the opening of financial market in China, foreign Banks began to full access to the banking industry in our country, which makes our country's commercial bank not only need to face the competition of internal banks but also to pay attention to the impact of foreign Banks'arriving, the traditional rely on spreads to the means of profit is unsustainable. The traditional way to get profit which relying on spreads is unsustainable. Therefore, to improve our country commercial bank efficiency and enhance the core competitiveness of China's commercial Banks in the financial markets,is the key part for ensuring our country's commercial bank's advantages in the China and grabbing more international financial markets. Under such a background , this article choose the efficiency of commercial Banks as the research object, we hope to make a further explore about the efficiency of Chinese commercial Banks on theoretical and empirical aspects. Trying to provide suggestions for reference on enhancing the efficiency of Chinese commercial Banks and promoting the international competitiveness of Chinese commercial BanksThis article selects the 14 commercial Banks listed on the Shanghai stock exchange as the research object, the sample interval is 2006-2015. First by super efficiency SBM model, the total number of employees, fixed assets, interest expenditure and revenue expenditure as input indicators, the net profits of commercial Banks as output index, efficiency measure for sample bank; And then select the total return on assets, LDR, non-interest income ratio and capital adequacy ratio as the first level variable, set up a fixed number of year,the shareholding structure and the number of branch structure as the second level variable, build multi-level statistical model analysis of the factors influencing the efficiency of Chinese commercial Banks. According to the empirical analysis of the conclusion and the present situation of the development of China's banking industry provides some suggestions.The empirical analysis results show that the efficiency of joint-stock commercial Banks in our country commercial bank obviously higher than that of state-owned commercial Banks, state-owned commercial Banks property for the efficiency of commercial Banks have a significant negative impact;the return on total assets for the influence of the efficiency of commercial Banks is the most significant,but non-interest income proportion and the impact of capital adequacy ratio of commercial Banks efficiency is not significant; Efficiency of commercial bank branch number for commercial bank also has a significant positive influence, and the impact on the efficiency are divided into two aspects, one is the increase in the number as the number of branches directly improve the efficiency of commercial Banks, the second is through the interaction and the total return on assets, reduce the total return on assets for the commercial bank efficiency effects.