Research On The Factors Affecting The Efficiency Of China's Listed Commercial Banks

As an important part of financial system,the operating conditions of commercial banks will directly affect the final allocation of social resources,which in turn will have a major impact on the operation of financial and economic systems.Nowadays,the evaluation of commercial banks in the academic field is gradually focusing on efficiency research.The researches of factors affecting the efficiency of commercial banks can reveal the efficiency gap between different types of banks,which is conducive to the adjustment of resource allocation and business strategies according to their own characteristics.It will also provide basis for supervision departments to implement specific regulatory measures.This is of great significance to promoting the survival and development of China's commercial banks and safeguarding the security and stability of the entire financial system.The academic research on the efficiency of commercial banks including the development status of commercial banks' efficiency,influencing factors,and measures for improving efficiency etc.These problems are also the problems faced and to be solved by commercial banks in China.This thesis is based on solving these problems and dedicated to studying the factors influencing the efficiency of China's commercial banks.Based on the results of relevant research at home and abroad,we firstly elaborates the connotation of the efficiency of commercial banks and their possible influencing factors from the perspective of theoretical analysis.Secondly,we choose the 2009-2016 annual report data of 18 listed commercial banks in China as research sample,selecting appropriate input-output variables,using data envelopment analysis(DEA)method to measure the efficiency of sample banks.Then we classify sample banks as the entire sample,the large commercial banks and small-and-medium-sized commercial banks,analyzing them separately.Finally,we choose the measured efficiency values as interpreted variables,constructing the panel data regression using GDP growth rate,banking supervision(dummy variable),market competition,internet finance,cost-to-income ratio,asset size,and loan-to-deposit ratio as explanatory variables.The model explores the influencing factors of the efficiency of China's commercial banks.According to the result of empirical analysis,we draw the following conclusions:Firstly,China's bank efficiency has steadily risen as whole,banking industry maintaining a good momentum of development,and the efficiency of large-scale commercial banks is lower than that of small and medium-sized commercial banks.Secondly,macroeconomic development and banking Industry supervision,internet finance,asset size,cost-to-income ratio,and loan-to-deposit ratio have a significant impact on the efficiency of China's commercial banks.In view of the above analysis,we propose some suggestions on how to improve banking supervision,actively use Internet technology,reasonably control the size of banks,and optimize bank asset allocation in order to provide certain reference value for improving the efficiency of China's commercial banks and promoting the sound development of the banking industry.