Research On The Operational Efficiency Of City Commercial Banks

After rapid expansion in recent years,China's city commercial banks have developed into an important part of the financial industry.As the competition in the financial industry becomes more and more fierce,as a unique group,the business achievements of city commercial banks have also received much attention,and their advantages and disadvantages are reflected in the operational efficiency of city commercial banks.Under the circumstances that the development of city commercial banks has been hindered in recent years,it is particularly important to study how to optimize their efficiency.Since its establishment,Huishang Bank has maintained a steady development trend.Learning from its operation and innovation strategies has certain significance for the future development of China's city commercial banks.This article summarizes the current status of relevant research at home and abroad,proposes the purpose of this study,and combined with the relevant concepts and theories of commercial bank efficiency,firstly analyzes the development process and status of China's city commercial banks from restructuring to maturity,and summarizes the overall operation status of China's city commercial banks.Secondly,this paper selects 16 representative domestic city commercial banks from 2011 to 2018 as samples,analyzes their scale changes and main financial indicators,and uses the Malmquist index model of data envelopment analysis method based on the understanding their basic operating status to measure the operating efficiency of 16 city commercial banks from 2011 to 2018,and finds out the factors that affect the changes in overall operating efficiency through the horizontally and vertically comparative analysis.Finally,on the basis of quantitative analysis,Huishang Bank was selected as a case,and the Malmquist index model was used to make a comparative analysis of its operating efficiency.From the various operational strategies and measures of the case bank,reference suggestions were proposed to improve efficiency.Through qualitative and quantitative analysis,this paper draws three main conclusions: The difference in the comprehensive efficiency index among the 16 sample city commercial banks during the sample period is mainly caused by the difference in pure technical efficiency index in Malmquist model,which shows that there are still some differences in the level of operational management and technology;the fluctuations in the overall comprehensive efficiency index of the sample city commercial banks over the years are mainly affected by the technological progress index in Malmquist model,indicating that the innovative capabilities of city commercial banks' business and technology need to be improved;the operating efficiency of Huishang Bank over the years has been mainly affected by the impact of technological progress index in Malmquist model,the improvement of management level and the enhancement of business innovation ability have made the operating efficiency of Huishang Bank slowly improving.At the end of the article,we summarizes and looks forward to the research content.