Research On The Influence Of The Shareholding Structure Of Listed Commercial Banks On The Operating Efficiency

The operating efficiency of commercial banks is related to the steady development of the national economy,and microcosmically affects the operating conditions and market competitiveness of the banking system.Macroscopically,it is related to the allocation efficiency of national economic resources and the quality of economic growth.Therefore,the study of the operational efficiency of commercial banks has a Very important significance.After several decades of reform and improvement in the development of China's commercial banks,the scale has become quite mature.The bank's operating activities involve all aspects of people's lives and the national economy.Therefore,improving the operational efficiency of commercial banks is an inherent requirement for China's economic development and the continuous development of commercial banks.China is carrying out structural reforms on the supply side.Most of the funds for economic activities in all walks of life are turned over by banks,and the quality of the national economy is to be improved.The banking system is a key link.The ownership structure has a fundamental role in improving the operating efficiency of commercial banks.Looking at the history of China's banking industry,historical factors and institutional factors have caused China's commercial banks to lack a sense of competition.In the process of continuous opening and integration of the world's finances,they have become increasingly uncomfortable with the competitive environment.The operating efficiency of banks is similar to that of developed countries.There is still a gap between mature markets.China's economic system has evolved from a planned economy,and commercial banks have been greatly affected by it.In addition,the listing time of China's commercial banks is generally late,and the degree of development is low.Therefore,there are still many areas for improvement in the ownership structure.Based on the related theories of equity structure and bank efficiency,this article refers to domestic and foreign scholars' relevant research literature and the analysis of the development status of China's commercial banks,uses data enveloping model to study the efficiency of commercial banks,and finally uses related data of commercial bank equity structure and efficiency to do the regression.The data was regressed to analyze the impact of the bank's shareholding structure on operating efficiency,and the conclusion was drawn that the ownership of stocks had a significant impact on the operating efficiency of commercial banks,both state-owned shares and legal person stocks had a positive effect on their promotion,and the high degree of equity concentration had a significant negative impacts on listed commercial banks.At the same time,the degree of equity balances also has a positive effect on bank efficiency.Through the comprehensive and reasonable analysis of the bank's operating efficiency,and on the content of the article,we make some suggestions to improve the operational efficiency of commercial banks,hoping to make a sound exploration of China's commercial banks and improve operational efficiency.