Study On Business Performance Of China Everbright Bank

Under the financial background of today's financial liberalization and economic globalization,China's banking industry is facing an extremely complex and difficult situation after years of rapid development.The international financial system remains fragile,and the world economic recovery remains uneven.In China,the storm of strict supervision on deleveraging is coming with a fierce force.The promotion of interest rate liberalization and financial disintermediation further narrow the interest margin,and the rapid development of Internet finance seriously weakens the intermediary role of the banking industry in the traditional financial system.In the face of the changeable and complex internal and external environment,whether China Everbright Bank,as the first national joint-stock commercial bank held by the state and held by international financial organizations,can improve its business performance and competitiveness is related to whether it can survive in the competition.In this paper,15 commercial Banks are selected as the samples for the comparative analysis of Everbright Bank.First,the basic model of DEA--CCR and BCC models are adopted to conduct a static analysis on the operating performance of the sample commercial Banks from 2012 to 2017 from three aspects of operation,profitability and sustainable development ability.It is found that in the analysis of the three aspects of the indicator system,the technical efficiency of Everbright Bank is not good,and the performance of the technical efficiency is roughly similar to that of the pure technical efficiency.It shows that the low pure technical efficiency is the cause of the low technical efficiency,indicating that the internal operation and management level of CEB,the efficiency of resource allocation needs to be strengthened;At the same time,the paper further analyzes the investment redundancy of CEB,and finds that CEB has different degree of redundancy in employee investment and other aspects.Then the Malmquist index was used to conduct a dynamic analysis of the business performance of the sample Banks.It is found that CEB is more restricted by the technical level in the operation ability evaluation index.Among the evaluation indexes of profitability and sustainable development capability,the overall decline of CEB's performance is mainly caused by technical efficiency.After further decomposition,the decline of technical efficiency is caused by the decline of pure technical efficiency,which also confirms the conclusion of static analysis.CEB should focus on pure technical efficiency,and constantly strengthen the bank's internal management capacity.This paper innovatively used DEA-Malmqiust analysis to conduct an empirical study on the business performance of individual Banks,it breaks through the previous framework that people only generally study the general law of the performance of the entire banking industry,which is of practical significance for improving the business performance of CEB and provides a reference for other Banks to improve their business performance.Finally,provides suggestions on how to improve the business performance of CEB in five aspects: strengthening the talent construction of CEB,improving the level of technological innovation,improving the construction of its own internal operation and management system,developing intermediary business,improving the ability of financial innovation and improving the efficiency of resource allocation.