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Empirical Analysis and Countermeasures of the Efficiency of China’s Commercial Banks

Author: XiangFei
Tutor: WangChuanShi
School: Shandong University
Course: Industrial Engineering
Keywords: Listed Commercial Banks Bank Efficiency DEA
CLC: F832.33
Type: Master's thesis
Year: 2013
Downloads: 15
Quote: 0
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Abstract


Bank efficiency has been a hot issue for scholars at home and abroad. As a main part of the financial industry, banks have a significant impact on the production of a country’s economic development and people’s life. Since reform and opening-up for30years, China economy has made rapidly development and significantly achievements, which brings increasingly social wealth and domestic banks to expansion, but many problems come one after another, like bad loan ratio of commercial banks, declination of industry competitiveness power, intruding of many foreign banks to enter and so on. All of this have made new challenge to banks development. How to improve their own competitiveness, bank efficiency, achieve the sustainable and healthy development of the banking sector become imminent challenges need to be addressed.Based on this, this article select16listed commercial banks (5state-owned commercial banks,8home joint-stock commercial banks and3city commercial banks) for samples, from2005to2011. We select fixed assets net amount, interest expenditures, the number of employee, total deposits as input indicator, net profit and total loan as output indicator, using DEA method to calculate out the bank of integrated technology efficiency, pure technology efficiency, scale efficiency and Malmquist index. Then we select the related factors affecting the efficiency of commercial banks, using Tobit regression model to specifically analyze the impact of these factors on efficiency of banks. At last, we make a conclusion:①The comprehensive technical efficiency of commercial banks between2005and2011has been steady upward trend, but large commercial banks are not as good as joint-stock banks and city commercial banks.City commercial banks’ pure technical efficiency is best, efficiency has been at the forefront on the surface;joint-stock commercial banks and city commercial banks’ efficiency value are higher than large commercial banks’.②Malmquist productivity results show that commercial banks in total factor productivity index had been increasing year by year after a brief drop in2005-2007. Among them, changes in the rate of technological progress were particularly notable.③Bank efficiency has a significant positive correlation with asset size, capital gains rates, employee education and the cross-industry experience of chairman, but negative correlation with equity nature.Combined with China’s actual situation and the latest international situation, we select a representative of commercial banks as specimens and use DEA model to measure the efficiency of China’s commercial banks. Finally in the analysis of factors affecting the efficiency of banks in Tobit model, except selecting the common indicators used in the literature, for the first time, we put the cross-industry experience of chairman and the level of qualifications of employees into models, from a microscopic point of view analyzing of the individuals ability to bank efficiency improvement.

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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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