Research On Efficiency Measurement Of Commercial Banks Based On DEA

Commercial banks occupy an important position in China's financial system.The stability and development of commercial banks are related to the stable operation of the entire real economy.With the rise of Internet finance,financial disintermediation and China's economy entering a new normal,the operation and development of commercial banks face enormous challenges.Since the "13th Five-Year Plan",the government has repeatedly emphasized the institutional reform of the financial industry and promoted financial services to the real economy.In this context,this paper measures the efficiency of commercial banks and summarizes the efficiency levels of various types of banks.On the basis of the measurement,the factors affecting the bank's efficiency are analyzed from the inside of the commercial bank,and then the commercial bank's business activities are proposed to encourage the commercial banks to seize the development opportunities.The measurement of the operational efficiency of commercial banks has been relatively mature.This paper reviews relevant literatures at home and abroad,and obtains research ideas based on previous studies.Firstly,we sort out the relevant theories of commercial bank efficiency,and then sort and compare the measurement methods of efficiency and the analysis methods of influencing factors,and then clarify the specific methods used to evaluate the efficiency and influencing factors of commercial banks.This paper selects the data of 20 commercial banks in China from 2013 to 2017 as sample.The sample banks include three types: large state-owned banks,joint-stock banks and city commercial banks.For the sample commercial banks,the static DEA method is first used to measure its comprehensive technical efficiency,technical efficiency and scale efficiency.It is found that the comprehensive technical efficiency and pure technical efficiency of large state-owned banks and joint-stock commercial banks are relatively high,and the two types of efficiency of urban commercial banks.It is obviously lower than the industry average;but the scale efficiency of urban commercial banks exceeds the average level of the banking industry.The scale efficiency of joint-stock commercial banks is very high and stable,and large state-owned banks have redundancy problems in scale.Then,the Malmquist dynamic analysis of the sample shows that the total factor productivity of large state-owned banks and joint-stock banks is on the rise.The upward trend is from technological progress and technological efficiency growth,while the total factor productivity of urban commercial banks is declining.Then compare the results of dynamic and static analysis,and summarize the relative situation and trend of the efficiency of different types of commercial banks.On the basis of efficiency measurement,this paper takes profitability,risk resistance ability,innovation ability,capital allocation ability and fixed asset utilization rate as independent variables,and uses the measured comprehensive technical efficiency of commercial banks as the dependent variable,using Tobit model.In return,seek factors that affect bank efficiency from within commercial banks.The results show that the impact of profitability,risk resistance,capital allocation and fixed asset utilization on bank efficiency is positive,while innovation ability has a negative impact on commercial banks,but it is not significant.Finally,based on the research,we draw conclusions and give advice to commercial banks to improve efficiency internally.