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Research on the Efficiency of Inter-regional Operations of City Commercial Banks

Author: ZhuXiaoQin
Tutor: LongHaiMing
School: Hunan University
Course: Finance
Keywords: City Commercial Bank Inter-regional Operation Size Efficiency Pure Technical Efficiency Total Technical Efficiency
CLC: F832.33
Type: Master's thesis
Year: 2012
Downloads: 50
Quote: 0
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Abstract


City commercial bank is an important component of China’s banking. Itspredecessor is urban credit cooperatives established in the1980s. After more than10years’ development, it has developed into a considerable bank class. After the CBRCrelaxed the restriction in April2009, city commercial banks accelerated inter-regionaloperating process. The article selects20city commercial banks, to explore inter-regional operating efficiency from2008to2010. Firstly, the article defines bankefficiency, divided inter-regional operating category into among the province, amongthe economic region and nation, analyzes the driving power of inter-regionaloperating. Then, the article divided city commercial banks into large, medium andsmall by cluster analysis method, measures the size efficiency, pure technicalefficiency, total technical efficiency by DEA. Then, the article analyzes the factors ofthe inter-regional operating efficiency and has an empirical test by Tobit. Finally,according to the empirical results, the article put forward suggestions to improve theinter-regional operating efficiency of city commercial banks.The article comes to the following conclusions:1. The size efficiency of citycommercial banks got a steady rise, inter-regional operation has increased theefficiency to a certain extent. Overall trendy of pure technical efficiency showsinverted "V" trend, which is determined by the small city commercial. Because of thesize efficiency and pure technical efficiency, overall trendy of technical efficiencyalso shows a trend of the inverted "V" trend.2. Bank size of city commercial banksare not tightly related to inter-regional operating efficiency, city commercial banksshould take a rational attitude to inter-regional operation. Profitability is positivelyrelated to inter-regional operational efficiency, city commercial banks should improvetheir profitability. Security business is negatively related to inter-regional operatingefficiency, this is a short efficiency, city commercial banks should insist on safeoperation in a long time. And there is a significantly positive correlation betweenmobility and inter-regional operating efficiency. Innovation ability aren’t related tointer-regional operating efficiency, the reason is that intermediate business haven’tbecome the main business, which is city commercial banks’ direction in the future.

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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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