Study On The Efficiency Of Listed Commercial Banks Based On DEA Model

In 2016,the suspension for five years of commercial bank A-share listing window was reopened.For many commercial banks,this is a long-awaited opportunity,through the listing,the commercial bank's capital can be expanded,and thus accelerate the pace of development in just a few years to complete the past may take more than ten years to achieve the leap-forward development.One of the problems with commercial banks' large-scale listing is how well these new listed commercial banks operate and how their listing will have an impact on the overall efficiency of listed banks.Based on this,from the perspective of technical efficiency,DEA data envelopment model is used to analyze the operating efficiency of listed commercial banks as of the end of 2016.Through the analysis,it is found that the commercial banks and the joint-stock commercial banks listed on the whole are more efficient and the technical efficiency of the rural commercial banks and the state-owned commercial banks is lower,but the commercial banks and the joint-stock commercial banks are not every business Link of the technical efficiency is very high,indicating that the two types of banks operating efficiency is still there to enhance the space.Listed commercial banks and state-owned commercial banks also have high operating efficiency,so listed commercial banks as the leader of China's commercial banks to play the existing advantages,but also to make up for the corresponding weaknesses in business,so as to improve China's commercial banks The overall efficiency,narrowing the gap between efficiency and commercial banks in Western developed countries.This paper argues that improving the efficiency of China's commercial banks needs to proceed from both commercial banks and regulators.Commercial banks,with the rise of Internet finance,the domestic commercial banks operating environment has undergone tremendous changes,interest rate marketization has become an irresistible trend,the traditional income margin as the main profit model has been difficult to sustain,domestic business At the same time,domestic commercial banks need to optimize the structure of liabilities and change the existing passive debt model.Finally,domestic commercial banks need to improve the management mode,from the traditional management mode to the scientific management mode change.In the aspect of regulation,the banking financial system is the main artery of the domestic economic development.In the face of the increasingly complicated business environment,it is necessary to strengthen the risk supervision and improve the ability of the domestic commercial banks to deal with the risks.Secondly,reduce the banking access threshold and promote the free competition in the banking industry But also business innovation;again,deepen the reform of the banking system to improve the management level and profitability of commercial banks;Finally,the conversion of regulatory mechanisms,from the traditional administrative control to market-oriented conversion.