Chinas commercial Banks efficiency research
Overall, the development of Chinese banking industry mainly for the expansion of quantity, a denotative extensive development of the road, there is a low efficiency of commercial Banks. In July 2005, the British banker magazine in tier one capital from 2004 of the worlds top 1000 seating, a total of 19 listed commercial Banks in China, among them, the bank of China, China construction bank, industrial and commercial bank of China, agricultural bank of China ranked 11th, 25, 32, 37, the main commercial bank of China has entered into the worlds big Banks.
But from the major indicators reflect the commercial bank profitability, capital profit margin, Chinas commercial bank profitability is low, the bank of China, China construction bank, industrial and commercial bank of China, agricultural bank of China ranked 578th, 221th, 950th, 910th. Five years after Chinas accession to the WTO transition period is coming to an end, since at the end of 2006, Chinas financial system will be allround opening to the outside world, Banks will face foreign Banks full access to bring unprecedented challenges and impact.
How to improve efficiency of Chinese commercial bank, commercial bank profitability and international competitiveness, maximizing the value of commercial bank management goal, is a financial academics and bank industry indepth study of major issue. Efficiency of study is the core proposition of economics, as well as the current reform of commercial Banks in China focuses on practice.
Based on economics and modern financial theory as the instruction, applying the method of statistics, econometrics and management and professional software, combining qualitative analysis with quantitative analysis, the study of Chinese commercial bank efficiency, to improve efficiency of Chinese commercial Banks to provide policy advice and management measures.
Efficiency is presented in this paper, under the guidance of the general theory and the theory of commercial bank efficiency, in a clear commercial bank efficiency goals and analyze the efficiency of Chinese commercial Banks, on the basis of to “efficiency measure evaluation mechanism, influence factor analysis, research, efficiency improvement countermeasures” as the main line, following countermeasures from theoretical analysis and empirical analysis to the basic train of thought of research, mainly related to the content of the six aspects: 1. The efficiency of commercial bank efficiency theory and target is discussed, after defining the concept of efficiency, the efficiency of the general theory and the theory of commercial bank efficiency, analyzed and summarized, construct the theoretical framework of the research of Chinese commercial bank efficiency.
In this paper, we study the efficiency of economic efficiency, refers to economic institutions in the economic activities of the input and output or the costs and benefits of the contrast between the relationship. Micro efficiency of commercial Banks in this research, namely, input and output of commercial Banks in business activities or the costs and benefits of contrast.
Commercial bank efficiency goal is to improve efficiency of commercial Banks, promote efficiency is an important technique for realizing the objective of the commercial Banks, commercial Banks efficiency target subordinated to and serve the target of our commercial Banks.
2. The efficiency of Chinese commercial Banks to generate conditions analysis after 20 years of reform and opening up, Chinas economy has realized the historic transition from planned economy to market economy. Chinas banking industry has grown in the reform and opening up, the rising power. Chinas banking system have been isolated from a single device, the savings and loan, deposit system is borrowed “unification” of the banking system into a composed of five major types, the four levels of diverse system of commercial Banks.
Chinas commercial Banks operating conditions gradually improved, Chinas commercial bank efficiency to generate conditions basically, in order to further improve efficiency of Chinese commercial Banks have created favorable conditions.
3. The efficiency of Chinese commercial Banks measure and evaluation based on the financial index analysis and data envelopment analysis DEA, respectively, from the economic financial and technology production point of view, the accurate measure of Chinas commercial Banks in 19992005 financial efficiency value and DEA efficiency and ranking, and the national commercial bank and local commercial Banks, and between the efficiency of Chinese commercial Banks and between the worlds leading Banks were compared and evaluated.
In after comparing two measurement methods, based on two ways to measure the overall efficiency of commercial bank and total ranking, from the Angle of economic financial and technology production reflects the comprehensive efficiency of Chinese commercial Banks, according to the total efficiency is worth to the total ranking and respectively by financial efficiency value and DEA efficiency among the three basic consistent.
Overall, Chinas commercial Banks efficiency is low, the efficiency of the commercial bank of China, there is a big gap compared with the international large bank jointstock commercial bank efficiency higher than that of city commercial Banks and stateowned commercial Banks, but part of the stateowned commercial Banks after the shareholding system reform in recent years, its efficiency is improved significantly.
4. The efficiency of Chinese commercial bank efficiency factor analysis based on the theory and related theory, puts forward the analysis of the efficiency of commercial Banks “multiple points of view many factors theory”, respectively, from the perspective of macro, meso and micro studies various factors that influence efficiency of commercial Banks.
Macro influencing factors including national macroeconomic policy, the social credit environment and domestic economic environment; Medium industry influence factors include financial structure, bank interest rate, financial, technical and financial innovation, financial regulation and financial system; Microscopic factors affecting property, including bank scale, asset quality, human resources, management.
On the basis of general analysis, has carried on the concrete analysis to the commercial bank of China, Chinas commercial Banks efficiency is also under the macro, meso and micro factors. Combining qualitative analysis and quantitative analysis, through the establishment of Chinas commercial Banks efficiency of multivariate regression model, collecting sample data, using Eviews3 software has carried on the multiple regression analysis for the efficiency of Chinese commercial Banks.
Chinas commercial Banks efficiency research
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