Study About Problems And Countermeasures Of Local Listed Commercial Banks Operating Efficiency Taking The Chongqing A Bank As An Example

Local commercial banks are not only an important complement to the national large commercial banks,but also an integral part of our banking system.It provides loans or other high-quality financial services to local small and medium-sized enterprises,and promotes the economic development of the whole region.Therefore,it plays an increasingly important role in the development of local economy.However,the local commercial banks are also faced with the competition between the financial industry and the industrial structure changes and financial policy adjustment of the dual pressures in the process of continuous development.So,how can local commercial banks improve their operational efficiency and how to use less resources to get more output has become a local commercial banks focus on the place.Firstly,the paper introduces the concept related to the operational efficiency of commercial Banks,the efficiency evaluation of theoretical basis and research achievements of predecessors;Secondly,I select the evaluation index and using DEA and Malmquist index model measure all kinds of efficiency value during 2011 to 2015.Through A bank with its longitudinal comparison and the remaining 26 Banks horizontal contrast to comprehensive evaluation problems in its operation efficiency;Finally,I put forward corresponding countermeasures and Suggestions about the specific problems of A bank in terms of operational efficiency.After analysing the condition of A bank,I got the following four conclusions:The first is the overall efficiency is not high,but also grew rapidly;The second is pure technical efficiency and the overall performance is the same;The third is the speed of the scale efficiency and technology level no big change;The last one is the number of employees.For the above four conclusions,This article puts forward four suggestions: The first is to reduce properly the number of employees,through improving employee quality to reduce the possibility about commercial Banks efficiency decline brought about by a decrease of employees.The second is to enhance scale efficiency through increasing input-output ratio and enhancing the ability of risk management.The third is promoting management level and Keeping speed the growth of the pure technical efficiency.The last is to accelerate the pace of technological progress.