DEA Analysis On Operating Efficiency Of The State-owened Commercial Banks And The Joint-stock Commercial Banks Of Our Country

Commercial banks, as the main capital distributing organization in the economic activity,is the most important composition in finance system in many nations. Especially after joining into WTO,China will allow American banks get full entrance to market in 5 years, according to theWTO agreement text China and American have come to. In 2 years, foreign banks can make RMB operation with Chinese enterprise; and 5 years with Chinese civilian. Also the restriction on geography and client will be abrogated. For example non-bank finance institution, financial corporation may provide auto financing.Efficiency is the concentrated embodiment of competition power of bank industry. It's essential to improve the efficiency of bank industry for avoiding financial risk and the opening of bank industry.So it is worth being discussed how to measure the operating efficiency and how to improve it.The article introduces the feature, classification and system of commercial bank firstly.According to the classification on system, selecting 3 types 7 banks as samples, subsequently it presents the meanings of commercial banks efficiency and some common ways assessing it.On the basis introducing DEA,making use of the historical data from 2000 to 2002 ,we get the relative efficiency value about 9 banks, analyze the data fully, gain the effect property rights structure have on the commercial banks efficiency.The efficiency of joint-stock commercial banishes newly joint-stock commercial banks,exceeds state commercial banks.The low efficiency of state-owned banks enforces the necessity to improve it.In the way of improving efficiency of state-owned banks,property system,corpration management structure and human capital configuration is to be improved.The research is taking advantage of the knowledge of finance,economics and management theory,DEA model and the original data.It comes to the basic efficiency value which is close to the reality of bank industry of our country,and it gives a whole vision to the resource using situation of commercial banks of our country.