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Empirical Study on Listed Commercial Banks’ Efficiency in China

Author: JinXuan
Tutor: LiuRongMao
School: Nanjing Agricultural College
Course: Financial
Keywords: Bank Efficiency DEA Technical Efficiency Financial Analysis
CLC: F832.33
Type: Master's thesis
Year: 2013
Downloads: 1
Quote: 0
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Abstract


Banking stability and prosperity of the country’s financial development plays a decisive role, and the listed commercial banks are the core of banking institutions. With the development of national economy, the demand for financial services grows in all walks of life. Foreign banks flow into Chinese banking industry in recent years, compete with domestic Banks. Domestic banks open branches quikly. The city commercial banks have set up and launched a wide range of cross-regional business. Many enterprises reached a consensus that the extensive development approach will come to an end in all walks of life. It is important to transform the mode of development, improve operational efficiency and enhance competitiveness for the development of country’s economy and commercial bank itself in China’s economic important transformation. Study the efficiency of listed commercial Banks in China and influencing factors has the necessity and significance of reality.This paper compiled the relevant theories of the efficiency of commercial banks and a large number of domestic and foreign scholars about the document of bank efficiency, using data envelopment analysis and financial index analysis method of16listed commercial banks in China from2007to2011, the efficiency of the measurement and analysis of its influencing factors. Firstly, choosing the number of employees, the net value of fixed assets and the interest payments as input indicators, net profit and the capital adequacy ratio as the output indexes of commercial banks with the method of data envelopment analysis of technical efficiency, pure technical efficiency and scale efficiency, scale interval, and calculates the slack variable. Secondly, choose two financial assets profit margin and cost income ratio index analysis the commercial bank profitability and cost control ability. Finally16listed commercial banks in China can be divided into state-owned commercial banks, joint-stock commercial banks and city commercial banks three categories by using two kinds of analysis method of the comparative analysis concluded that the efficiency of listed commercial banks in China level on the basis of efficiency level and its influencing factors are obtained.Research shows that overall in China’s banking industry has developed rapidly, the efficiency level is rising steadily; city commercial banks’technical efficiency highest, secondly state-owned commercial banks, least joint-stock commercial banks; city commercial bank have obvious advantages of technical efficiency, state-owned commercial banks’scale efficiency improve quickly. The main factors that influence the efficiency of listed commercial Banks in China comes from scale efficiency, pure technical efficiency change is not obvious. Factors affecting the efficiency of the internal microscopic mainly come from the equity structure, asset scale, technological progress; management capacity and risk control. On this basis, this paper puts forward some suggestions to enhance the efficiency of Chinese commercial banks. Commercial bank should improve the management to reduce the cost; increase the intermediary business revenue to expand profit channel; establish reasonable development scale to improve the efficiency of scale; speed up the pace of financial innovation to strengthen the pure technical efficiency; establish an effective human resources management system to use human resources reasonably. Regulators should improve the external regulation environment and give full play to the role of the market itself to allocate the resources.

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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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