Research On Conduct & Efficiency Of Banking

The thesis is analysed and researched on the basis of industrial organization and the hypothesis of 'conduct determining efficiency'. It applys the method of DEA and regression analysis. The main contents are as following.1 . It studies the banking price conduct and non-price conduct such as innovation ,merger and sale etc.2. It analyses the effection of conduct on the Chinese banking efficiency by definite method.3. It caculates and values technical efficiency, pure technical efficiency and scale efficiency of Chinese banking by DEA model in 2001-2004.4. It analyses the main influencing factor of banking efficiency by regression analysis model and puts forword the major channels of the promotion commercial banking efficiency.The thesis gets the conclusions and viewpoints as following.1. It indicates that the conduct character of Chinese banking is going to the market. But the conduct must be regulated and promoted.2. It indicates that the marketed conduct can improve the banking efficiency. But price competition and advertisement is inefficient on banking efficiency.3. Technical efficiency and pure technical efficiency of state-owned bank is inferior to share-holding bank. But scale efficiency of state-owned bank is bigger than share-holding bank. The technical inefficiency of share-holding bank comes from scale inefficiency.4. The main influencing factors of banking efficiency are asset quality, resource distribution,management and the quality of human resource. So we must optimize asset disposition, accelerate the financial technical innovation of bank trade and raise the quality of human resource.