Dissertation > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Commercial banks ( specialized banks )

Research of Chinese Commercial Bank Efficiency

Author XuePeiYuan
Tutor JinZhaoHuai; JinLin
School Northeast Normal University
Course Financial
Keywords Commercial Banks Efficiency Data Envelopment Analysis
CLC F832.33
Type Master's thesis
Year 2013
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Since the accession to the World Trade Organization, Chinese financial market isgradually opening, the financial system is reforming deeply, and Chinese commercial banksare undergoing profound changes. Commercial banks as the main body of the financialindustry, the efficiency level of the affected our country social resources configuration of thedevelopment of the national economy. In the face of the financial market and the externalenvironment changes, how to improve the operational efficie ncy of commercial banks inChina is the biggest challenge. This paper studies the efficiency of Chinese commercial banksand its influencing factors, which has theoretical and practical significance.Based on the domestic and international research on bank efficiency after review theliterature, this paper illustrates the basic connotation of bank efficiency and bank efficiencymeasure method, using the international forefront of nonparametric efficiency evaluationmethod, the DEA model, evaluation of commercial Banks in China technical efficiency andscale efficiency, scale the remuneration, etc. In this paper, the state-owned banks andjoint-stock bank efficiency is investigated, analyzed the differences. The results show that thesample bank efficiency for rising trend in that our country commercial bank is maturity; Thetechnical efficiency of state-owned banks generally lower than the joint-stock banks, but in2005, since the reform of state-owned commercial banks, joint-stock two gap more and moresmall, joint-stock reform effect is obvious; Pure technical efficiency of Chinese commercialbanks overall level is higher, the technical efficiency of the effect is mild, and at the sametime, the state-owned commercial banks in pure technical efficiency than joint-stockcommercial banks have more advantages; The state-owned commercial banks in the sampleperiod and low scale efficiency in scale efficiency decline stage, size no efficiency as themain factors of influence the technical efficiency. Although the joint stock commercial banks,on the whole, the scale efficiency than state-owned banks is high, but some joint-stock banksalso appeared scale inefficiency situation.Based on the efficiency of commercial banks, in this paper, many factors of theinfluence of commercial banks’ efficiency are analyzed. Results to improve the efficiency ofChinese commercial banks, in order to promote the financial innovation, improve personneltraining, optimizing the bank scale, the development of the intermediate business and reformproperty right system in five aspects so as to put forward relevant countermeasures andsuggestions.

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