Research On Financial Efficiencyand Influencing Factors On City Commercial Banksin Shandong Province

The aging of the population is a major national situation facing China today.According to the seventh national census data released in 2021,the proportion of people aged 60 and above in China has increased by 5.44 percentage points and the proportion of people aged 65 and above has increased by 4.63 percentage points compared to 10 years ago,and the overall aging of society has deepened.In 2013,the State Council issued a document to guide and regulate commercial banks,insurance companies,securities companies and other financial institutions to develop financial management,credit and insurance products suitable for the elderly.Therefore,the financial industry,mainly commercial banks,is obliged to play its own role in helping the elderly finance,which is not only the choice of the market,but also the inevitable choice of the banking industry to take the initiative to supplement the "third pillar of pension insurance",so the development of the elderly finance by commercial banks,especially the elderly service finance,has become a common concern in the industry.Therefore,the development of pension finance by commercial banks,especially pension service finance,has become a common concern in the industry.Based on the above background,this paper reviews the experience of commercial banks in developing pension finance based on the review of previous studies;focuses on the analysis of the current situation of the development of pension service finance in Shandong city commercial banks,and analyzes the "safety","liquidity" and "profitability" of Shandong city commercial banks through the financial analysis method.The analysis of "safety","liquidity" and "profitability" of Shandong urban commercial banks is carried out through financial analysis;and the non-parametric DEA model is used to empirically study the operational efficiency of Shandong urban commercial banks in the development of senior care finance from 2015 to 2019 by determining the input and output factors;on this basis,the internal and external factors affecting the efficiency of urban commercial banks are determined with reference to previous studies,and the T Based on this,the internal factors and external factors that affect the efficiency of urban merchant banks are identified with reference to previous studies,and the Tobit model is applied to empirically study the influencing factors,and then targeted opinions and suggestions are put forward.The main findings are: since 2015,urban commercial banks in Shandong province have been improving the financial efficiency of elderly services serving the aging population under the internal and external environment of deepening aging and credit risk exposure,but the gap between the efficiency of different urban commercial banks is widening.Through empirical analysis of the factors affecting efficiency,it is found that the external economic development level,infrastructure construction,and internal security management play a greater role in the improvement of financial efficiency of elderly services of urban commercial banks in Shandong province,among which GDP per capita,which represents economic development,and traffic and passenger transportation,which represents infrastructure design and construction,and the liquidity ratio of commercial banks are the keys to the financial efficiency of elderly services.