| Study of the efficiency of commercial banks in China has always been the focus in academic circles.From the microscopic point of view, the efficiency of commercial banks react that a bank's competitive power mostly relys on its resources utilization degree and effect; from the macro point of view, the efficiency of the whole banking industry is in a certain extent reacting the effectiveness of the industrial economy's allocation of resources in our country.This paper is based on bankscope database data from a large sample, it uses the Hicks-Moorsteen TFP index to measure the total factor productivity change of China's commercial banks during the period of 2010 to 2014. Through the analysis of the sample data and total factor productivity decomposition,we can identify the deep driving force which leads to TFP's dynamic change; and we constructed the regression model which influences our country commercial bank total factor productivity of panel data on this basis, to further effect on the influence factors of the efficiency of China's commercial banks through empirical analysis.The research found:from static analysis, since 2010 to 2014 the level of total factor productivity in our country commercial bank showed tendency to ascend, the main driving force comes from the improvement of technical level, but at the same time the scope efficiency levels showed a decline in a certain extent; however, from a dynamic angle,total factor productivity index indicated a contrary results. This shows that the efficiency of the banking sector is mainly derived from the improvement of professional business and the concentration of income(interest income), but this profit model is gradually changing. Based on the results of regression analysis indicated that the loose monetary policy, industry concentration degree, innovation ability and assume greater risk can significantly improve the total factor productivity,while the rate of non-performing loans produced significant negative effect. |
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