Based On The Two-stage DEA Listed Commercial Banks In China Efficiency Evaluation

Since 2015,due to the double stimulation of Internet finance and policies,the market share of large commercial banks in China has declined slightly,while the market share of small and medium-sized commercial banks has continued to increase slowly.The number of privately-owned banks has gradually increased,which has further increased the competition among banks in China.The market structure and business model of the banking industry have been continuously optimized,and the characteristics of the bank’s differentiated operations have also continued to appear This paper comprehensively analyzes the previous research on the efficiency of banking business,combined with the bank’s special business model(mainly deposit and loan operations),exploratory proposed a shared resource allocation model-deposit and loan ratio allocation.The bank’s entire business process is divided into two stages: capital raising and capital operation.The two-stage addition DEA model is used to analyze the efficiency and total efficiency of each stage of the bank,taking into account the sharing of input resources and unintended output.The important element in the evaluation.Through the research of this article,Through the research of this article,we finally reached the following conclusion: From 2008 to 2016,the total non-performing loans of China’s 16 listed commercial banks continued to rise,with the highest increase reaching 48.61%.In the capital raising phase,the efficiency of state-owned commercial banks is significantly lower than that of joint-stock commercial banks and local commercial banks.In the face of the same external operating environment,the state-owned commercial banks’ management resilience is far inferior to joint-stock commercial banks and city commercial banks.In 2007-2016,the average proportion of state-owned commercial banks that could reduce their input resources was 19.50%,which was significantly higher than that of joint-stock commercial banks and local commercial banks.In the capital operation stage,the cost management level of commercial banks is increasing year by year.China’s city commercial banks have better resilience than state-owned commercial banks and joint-stock commercial banks,and have certain management advantages.From 2007 to 2016,the average rate of change in the investment of state-owned commercial banks during capitaloperations was 13.20%,which was lower than that of joint-stock commercial banks.The radial improvement ratio of investment resources of China’s commercial banks in the course of capital operation shows a declining trend.