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City Commercial Bank in Zhejiang Province Based on Dea Model X-Efficiency and Its Influenceing Factors

Author: YuYang
Tutor: QianShuiTu; ChenZhiFa
School: Zhejiang Technology and Business University
Course: Financial
Keywords: city commercial banks X-efficiency DEA model Tobitmodel
CLC: F832.33
Type: Master's thesis
Year: 2014
Downloads: 4
Quote: 0
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Abstract


Since its establishment, City commercial banks now has been widely distributed in the major cities, become an important force to the city’s economic development.In recent years, city commercial banks adjust the positioning of serving the local finance only, Part of the well-run city commercial banks have completed the restructuring of the transformation, as well as the implementation of cross-provincial operations. Although the city commercial banks have achieved the results can not be ignored, but the rapid development also had a lot of problems, part of the city commercial banks lack of capital, have poor management, non-performing assets ratio is too high, leading to a larger operational risks.Because the management efficiency of city commercial banks in Zhejiang has become a part of the stable development of the financial system of Zhejiang Province, therefore, Research on city commercial banks X-efficiency, has the very strong practical significance to enhance the comprehensive strength of city commercial banks. Taking into account the availability of data, this paper selected the8city commercial banks of Zhejiang province as the research object.Firstly, define the X-efficiency of city commercial banks according to the conclusions of previous studies. Parameter analysis and non-parametric analysis was compared, select DEA model nonparametric to analyze X-efficiency.Secondly, compared to three input and output indicators theoretical, select the owners’equity and total deposits as input indicators, net profit and total loans of output indicators. Based on DEA Model, this paper calculate the X-efficiency of8commercial banks in Zhejiang Province, and detailed analyses technical efficiency, pure technical efficiency, scale efficiency and allocative efficiency.Thirdly, consider the current situation and the actual results of previous studies, we consider asset quality, asset size, profitability, liquidity factors assets, net interest margin as5factors affecting the X-efficiency. Using Tobit model to analyze the affecting factors, only the asset size, net interest margin liquidity factors, can pass the significant test.Finally, this paper puts forward the policy suggestions to improve the X-efficiency of city commercial banks in Zhejiang:Control the size of city commercial banks grow too fast, and strive to improve the overall competitiveness; Reduce the proportion of current assets, improve capital utilization; Optimizing the balance configuration, improved net interest margin.

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