Research On The Improvement Of The Operational Efficiency Of XY Bank

In China,efficiency has always been the focus of enterprises in their business activities.The efficiency of the banking industry is not only the operating performance of enterprises,but also an important indicator of the comprehensive competitiveness of enterprises and national development level.In the long run,improving the efficiency of the banking industry is the key.China has joined the World Trade Organization,and the banking industry of China and foreign countries will face more severe challenges.Therefore,it is of both theoretical and practical value to carry out an in-depth discussion on improving the efficiency of XY Bank and its influencing factors.Based on the research on the management theory and cutting-edge efficiency theory of commercial banks,the article uses methods such as DEA-CCR and DEA-BCC to empirically study the relevant indicators of the secondary branches of 34 XY banks in Fujian Province from 2016 to 2022;On this basis,an empirical study was conducted on the operational efficiency of XY Bank using the method of individual random effects.After investigation,we can see that the operational efficiency of XY Bank is generally good,but there are significant differences among individuals.The deposit to loan ratio,non-performing loan ratio,and cost to income ratio show a negative relationship with the operating efficiency of XY Company,while the proportion of non interest income shows a positive relationship with its operating efficiency.At this point,the marketization of interest rates and the slowdown in economic growth have not led to a decrease in XY’s operational efficiency.On this basis,this article mainly focuses on improving the operational efficiency of XY Bank from three aspects:macro environment,meso environment,and micro environment: improving the macro environment,optimizing property rights structure,continuously increasing net interest margin,and increasing regional gross domestic product;In terms of improving the meso environment,moderately expanding asset scale,increasing the management of loan assets,optimizing asset allocation,and improving asset quality;In terms of micro environment improvement,reduce the deposit to loan ratio,reduce the risks brought by non-performing loans,strengthen management and control of operating costs,and increase the proportion of non interest net income.I hope it can provide reference for XY Bank to improve operational efficiency in the future,ensuring that business is prioritized,guarantees are in place,costs are controllable,and profits are visible.