Analysis On Operating Efficiency And Its Influencing Factors Of Chinese City Commercial Banks

As an important indicator to evaluate the quality of an enterprise,the level of business efficiency determines the competitiveness of an enterprise in its own field.As an important part of China's financial system,the competitiveness of banking industry is of great significance to the stable development of China's financial system.The city commercial bank is the "third echelon" in the banking system of China,which has its own defects in scale and region compared to the large commercial bank and the joint-stock commercial bank.With the deepening of the reform of our financial system and the transformation of the economic environment,these defects have led to the greater challenges of the city commercial banks,and the commercial banks,as an important part of the banking system in China,have been increasing in recent years,and the competitiveness of the commercial banks is of great significance to the stability of the financial system in China.Therefore,the measurement of the efficiency of the city commercial banks and the analysis of the influencing factors are of practical significance.First of all,through the systematic analysis of the efficiency research of the existing commercial banks,the present situation of the efficiency research of commercial banks is obtained.Then the related theories and measurement methods of the bank efficiency are sorted and summed up.After combining the research situation with the theory,the DEA-Tobit two stage analysis method is selected as the tool for the efficiency of the commercial banks.The situation is analyzed.In the process of analysis,this paper selects the data of 10 Eastern and 9 central and western cities and 19 cities in the Middle West for 2007-2016 years.Through the DEA method,the comprehensive efficiency,pure technical efficiency and scale efficiency are measured and analyzed.Then the comprehensive efficiency is chosen as the explanatory variable,the ratio of assets,the ratio of non-performing loans and the ratio of liquidity.As an explanatory variable,Tobit is used to analyze the influencing factors of the efficiency of city commercial banks.Empirical studies show that the efficiency of urban commercial banks is positively correlated with asset adequacy ratio and regional characteristics,and negatively related to the ratio of non-performing loans and liquidity.Finally,according to the empirical results,the path to improve the efficiency of city commercial banks is analyzed,and specific countermeasures and suggestions are given in combination with reality.