Dissertation > Excellent graduate degree dissertation topics show

The Determination of Commercial Banks’ Efficiency and the Analysis of Influencing Factors of Zhejiang

Author: WangYuLi
Tutor: GaoDeXiang
School: Zhejiang University of Technology
Course: Regional Economics
Keywords: Commercial Banks Efficiency Determination of Data Envelopment Analysis Influencing Factors
CLC: F224
Type: Master's thesis
Year: 2011
Downloads: 53
Quote: 0
Read: Download Dissertation

Abstract


With the acceleration of banking reform, the efficiency of commercial banks become the focus of the people once again. The efficiency of commercial banks is the contrast between the input and output or the cost and benefit,which happens in the business activities of the commercial banks. Most previous scholars analysis the operating efficiency of their own domestic commercial banks, also they make a horizontal comparison between the operating efficiency of domestic commercial banks and foreign commercial banks. We found that most scholars think that the operating efficiency of domestic commercial banks is better than foreign commercial banks. Most of the scholars of the past only analysis the operating efficiency of Nationwide commercial banks, but they are less of the analysis of regional banks. And this paper is based on the existing research at home and abroad, it measures the efficiency of commercial banks in Zhejiang and make regression analysis of the factors affecting the banking efficiency with the actual situation of the banking industry in Zhejiang and various financial indicators.This paper measures the technical efficiency, pure technical efficiency and scale efficiency of 15 commercial banks in Zhejiang between 2003-2007, which uses non-parametric data envelopment analysis. The conclusion is: The efficiency value of Shanghai Pudong Development Bank, China Citic Bank, China Everbright Bank and Industrial Bank is higher than that of other banks. The Ranking of Four state-owned banks is last. Overall, the operation of joint-stock banks is better than state-owned commercial banks.Then this paper makes empirical test using the overall technical efficiency as the dependent variable, using asset size, rate of non-performing assets, inventory ratio as independent variable. The conclusion is: the impact factor of Assets on the efficiency is-0.0076, the impact factor of Non-performing assets rate on the efficiency is -0.074, the impact factor of deposit ratio of the efficiency is -0.158, Assets, non-performing assets rate and deposit ratio was negatively correlated with efficiency of bank. The Requirements is that commercial banks should change the business strategy, which is the request to expand the scale of commercial banks to improve efficiency; should reduce the rate of non-performing assets as an important task; should be appropriate to increase the size of loans to improve banking efficiency.Finally, the paper makes the policy recommendations for the internal factors affecting the efficiency of commercial banks: Adjust the scale and focus on operating efficiency; Improve bank management and optimize the construction of process bank; Strengthen credit management and improve the allocative efficiency of credit funds; Develop intermediary businesses actively and enhance the level of financial innovation; Strengthen financial supervision and improve the performance of banking supervision; Innovate the way of non-performing assets and improve the efficiency to dispose non-performing assets disposal; Improve the quality of human resources and enhance human resources management.

Related Dissertations

  1. Research on High Efficiency Interior Permanent Magnet Synchronous Motor,TM341
  2. A Study about the Stock Index Future’s Influence on the Stock Market,F224
  3. Yunnan Province, human capital, the network structure of critical efficiency factor,F249.27
  4. The Design and Performance Simulation of External Valve Small Displacement Pump,TE933.3
  5. Analyiss on Dicharge Environment and the Effect of of Dust Electrostatic Coagualation,X701.2
  6. Study on the Exergy Analysis of Photosynthetic Biological Continuous Hydrogen Production System,TQ116.2
  7. Analysis on Floating Population’s Hukou Transfer Intention and Its Influencing Factors,C924.2
  8. State cigarette sales forecast Influencing Factors,F224
  9. Effect of Nitrogenapplication Patterns on Variation of Soil Nitrate-N and Grain Yield of Wheat and Maize,S512.11
  10. The Analysis of the Social Institution of Realization of Individual Value,B038
  11. The use of mathematical methods in language teaching,G633.3
  12. Study on Enhance Efficiency and Mechanism of BAC Process for Nitrogen Removal by Preoxidation,X703
  13. Research on Management Efficiency and Mechanism of Soil-Water Erosion in Changting,S157
  14. Differences in Winter Wheat Productivity and Nitrogen Use Efficiency between the Main Varieties Released in Different Times in Jianghuai Area,S512.1
  15. Effects of Different Models of Cultivation Management on Nitrogen and Carbon Metabolism and Grain Yield in Winter Wheat,S512.1
  16. Effect on Nitrogen Use Efficiency and Ammonia Volatilization of Cotton (Gossypium hirsutum L.) by Different Nitrogen Applicatons,S562
  17. Study on Incentive Mechanism of Grassroots Civil Servants,D630.3
  18. Studies on the Preparation and Nutrient Release Characteristics of Low Molecular Weight Polylactic Acid Coated Urea,S145.6
  19. The Study on Choice of Policy Tools of China,D630
  20. The Value Simulation of the Filtration Process by Fiber Filter Materials,TB34
  21. Henan Locally Administratered Level Primary School the Basic Gymnastics Status Quo and Influence Factors of Research,G832

CLC: > Economic > Economic planning and management > Economic calculation, economic and mathematical methods > Economic and mathematical methods
© 2012 www.DissertationTopic.Net  Mobile