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논문 기본 정보
- 자료유형
- 학술대회자료
- 저자정보
- 발행연도
- 2013.11
- 수록면
- 519 - 562 (44page)
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초록· 키워드
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The issue of efficiency is one of the key of the economy research, and the aim of commercial bank in the management. The efficiency of banks not only represents the performance themselves, but also materializes the competition of banks. In the long term, the development-level of the bank depends on the efficiency level, is not speed. With the financial market keeps on opening, faced such fierce competition. The research and work on banking efficiency is surely an important insurance of both the consummation of banking system and the promotion of competition of commercial banks.
After the review of some related researches on foreign or native banking, this paper interprets the basic meaning of the bank efficiency. And accordance with the Farrell’s efficiency classification, the efficiency of commercial banks in China is divided in to Technical Efficiency, Pure Technical Efficiency and Scale Efficiency. According to the constant returns to scale model and variable returns to scale model of Data Envelopment Analysis, we calculated the three kind of efficiency of 14 representative commercial banks from 2001 to 2011 through the DEAP software. Finally we got the conclusion that the Technical Efficiency of state-owned commercial banks in China is lower than joint-stock commercial banks, and the main reason of this situation is the state-owned commercial bank’s scale efficiency is too low.
This paper further analyzes the decisive influence factors of the efficiency of Chinese commercial banks. Technical efficiency as dependent variable, make a multivariate regression analysis for the factors that may be influence the efficiency of banks. Such as property right structure, capital adequacy ratio, labor resource, scale of bank and so on. Based on the above result, some suggestions are made in this paper. Chinese banking should be through reform type of ownership and optimize the organizational structure, etc to improve the efficiency of Chinese commercial banks. With the strengthen financial supervision and to ensure the banking system stability, should promote the opening to the outside world, actively learning the foreign advanced management methods and concepts, gradually achieve with international financial markets.
After the review of some related researches on foreign or native banking, this paper interprets the basic meaning of the bank efficiency. And accordance with the Farrell’s efficiency classification, the efficiency of commercial banks in China is divided in to Technical Efficiency, Pure Technical Efficiency and Scale Efficiency. According to the constant returns to scale model and variable returns to scale model of Data Envelopment Analysis, we calculated the three kind of efficiency of 14 representative commercial banks from 2001 to 2011 through the DEAP software. Finally we got the conclusion that the Technical Efficiency of state-owned commercial banks in China is lower than joint-stock commercial banks, and the main reason of this situation is the state-owned commercial bank’s scale efficiency is too low.
This paper further analyzes the decisive influence factors of the efficiency of Chinese commercial banks. Technical efficiency as dependent variable, make a multivariate regression analysis for the factors that may be influence the efficiency of banks. Such as property right structure, capital adequacy ratio, labor resource, scale of bank and so on. Based on the above result, some suggestions are made in this paper. Chinese banking should be through reform type of ownership and optimize the organizational structure, etc to improve the efficiency of Chinese commercial banks. With the strengthen financial supervision and to ensure the banking system stability, should promote the opening to the outside world, actively learning the foreign advanced management methods and concepts, gradually achieve with international financial markets.
목차
Abstract
1. Introduction
2. Measure the Efficiency of Commercial Banks
3. Empirical Analysis of Efficiency of Chinese Commercial Banks
4. Analysis of Influencing Factors of Efficiency of Banking
5. Improve the Efficiency of Chinese Banking
6. Conclusion
Reference
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