Research On The Productivity Utilization Rate Of Chinese Commercial Banks

In recent years,bank interest margins have narrowed,non-performing loan rates have risen rapidly,and financial disintermediation has had a huge impact on the banking industry.A series of reasons have led to a continued decline in the proportion of bank assets in the mature financial system,which has led to an increase in the use of capacity in the banking industry..With the gradual advancement of financial reforms,the bank's interest rate marketization process is also accelerating.Commercial banks need to innovate the content and forms of their own services in order to expand the bank's business scope and create a more convenient and effective platform to be more open and free.The market seeks sufficient competitiveness.Therefore,it is meaningful both theoretically and practically to measure the capacity utilization rate of commercial banks in our country and explore its influencing factors.On the one hand,it is easy for the government to understand the overall capacity utilization of the banking industry and provide a theoretical basis for macroeconomic regulation and transformation of the banking industry.On the other hand,it can provide practical reference for all commercial banks to optimize resource allocation and adjust their business direction..The study of the capacity utilization rate of the banking industry in foreign countries started earlier.At present,there are preliminary research methods forlearning and reference.However,domestic exploration of capacity utilization still remains in the industrial manufacturing industry.However,in recent years,people have been publicly disclosed.The occasion calls for attention to the issue of capacity utilization in the Chinese banking industry.Different from the evaluation of efficiency,the capacity utilization includes the two parts of technical efficiency and equipment utilization,that is,it not only considers the technical inefficiency,but also includes the unused capacity.The input-output ratio calculated from this perspective can be calculated from One dimension reflects the status of the entire industry.This article refers to the research of relevant scholars,according to the definition of production capacity and capacity utilization,combined with the previous domestic literature on the efficiency of commercial banks and the assessment of the capacity utilization of steel and coal industries,and the foreign literature on the utilization rate of the banking industry.The measurement method uses the operating data of 23 listed banks for 2012-2016 and applies the DEA model to design three specific measurement methods: technical methods,cost methods,and minimum effective size methods.These 23 banks have nearly five years of production capacity.The utilization rate is calculated and divided into four categories: state-owned banks,joint-stock banks,city commercial banks,and rural commercial banks for statistical analysis.From the time interval,2014 is used as the node for statistical analysis.Based on this,the Tobit model was used to select corresponding indicators from the macro,meso(industry),and micro(enterprise)levels.The influencing factors of capacity utilization of commercial banks in China were explored to determine their actual influencing factors and correlations.relationship.The main conclusions drawn from this paper are:(1)The capacity utilization rates of state-owned banks and rural commercial banks are relatively close,and the capacity utilization rate in the past five years is relatively high.However,compared with state-owned banks,rural commercial banks still lag behind.The capacity utilization rates of commercial banks and joint-stock banks are relatively close to each other,and are significantly lower than state-owned banks and rural commercial banks.However,there are special cases of individual capacity utilization ratios,such asChina Merchants Bank and Shanghai Pudong Development Bank,in the city commercial banks;(2)Changes over time.The capacity utilization rate of various banks has increased,and this feature has become more apparent after 2014,and the improvement of city commercial banks and joint-stock banks has been particularly significant.As a result,the gap between the four types of banks has gradually narrowed,and relevant indicators have been According to the statistics,it was found that the input and output of all types of banks have experienced significant growth in2014;(3)In the macroeconomic aspect,the economic status has no significant effect on the capacity utilization rate of the banking industry;The U-shaped relationship with the market concentration of the industry,reducing the market concentration in the current environment is conducive to improving the utilization rate of the production capacity;on the micro level,the productivity The rate is positively correlated with the net interest margin,leverage ratio,loan-to-deposit ratio,and negatively related to the cost-to-income ratio;(4)It can improve the quality of credit assets,promote mergers and acquisitions among banks,promote the transformation of bank outlets,encourage innovation in bank services,and promote The cooperation between commercial banks and Internet companies has improved the utilization rate of banks.