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Study on the efficiency of small and medium listed bank

Author: JiaZuoChun
Tutor: LiShuSheng
School: Capital University of Economics
Course: Finance
Keywords: Listed medium and small banks Banking Efficiency DEA Super-efficiency Factors
CLC: F832.33
Type: Master's thesis
Year: 2014
Downloads: 2
Quote: 0
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Abstract


After thirty years of reform and opening up, China’s economy has changedenormously. Our country’s modern commercial banking system include large banks,national joint-stock commercial banks, city commercial banks, rural commercial banks andother banking and financial institutions. Small and medium banks have huge developmentin recent years. Until the end of2012, eight joint-stock commercial banks and three citycommercial banks listed. Small banks are supporting the sustainable development ofChina’s banking in the future. To study small and medium banks is meaningful.This paper first reviews the main research results of study the efficiency ofcommercial banks, introduces concepts and research methods. Then briefly describes thedevelopment process of China’s banking industry. According to the data during2006and2012, I used DEA model to calculate efficiency value. And compare the efficiency of largeand small banks. The results showed that the technical efficiency of small and mediumbanks better than large banks, but the gap is narrowing. Large banks efficiency increasedfaster. Pure technical efficiency point that, except Huaxia Bank, other small and mediumbanks lie on efficiency frontier, more efficiency than large banks. Listing small andmedium banks ineffective because in the stage of increasing economies of scale, which canbe improved by expanding the scale. Listing small and medium banks’ average value isgreater than one, strong and effective. City commercial banks performed better thanjoint-stock commercial bank. Use the results of the previous step to analysis factorsaffecting the efficiency of banks. Ownership structure, non-performing loan ratio, thecost-income ratio and the efficiency of the banking assets has a significant influence, ofwhich the first three negatively correlated with bank efficiency, the efficiency of the latterhave a positive impact on banks..According to the theoretical and empirical analysis, in order to improve the efficiencybanks, the banks and the government need try their best together. The banks can expand thescale of assets, reduce non-performing loan ratio, enhance business innovation capability,optimizing the corporate governance structure, lower operating costs, etc. It also requiresthe government to create a favorable macroeconomic environment, as well as appropriatesupervision measures.

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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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