The Efficiencychange Of Commercial Banks

The competition is under the conditions of market economy of the bank to live, competitive advantage is essentially efficiency advantage, the bank is the core competitiveness of the connotation of efficiency and improve the efficiency of bank risk prevention, is the key to the commercial bank that is related to the success or failure of a commercial bank itself, the survival and development of core issues. To improve the efficiency of the commercial Banks can improve the competitiveness, the first to enhance the efficiency of means of reducing waste of resources, reduce cost, Secondly, the efficiency to reduce risk, enhance the capability against risks, especially in the market economy, high efficiency to reduce the possibility of bank bankruptcy, Finally, the efficiency of resource allocation can effectively. Visible, bank efficiency for the study of the bank is very important. Therefore, it is necessary to reform the phased by domestic commercial Banks, and efficiency analysis of various bank reform achievement, found problems to solve, and actively to promote the healthy and stable development of commercial Banks in China.Using the Malmquist index method for our country commercial bank's total factor productivity, technical efficiency and scale efficiency, empirical studies conducted by our commercial Banks are the efficiency of objective value. The results from the efficiency evaluation, national Banks and only six home is effective evaluation units. Total factor productivity growth mainly comes from technology to improve efficiency and non-technical progress. Specific to each commercial bank, the average productivity has significant gaps. Therefore, our country commercial bank mainly will promote technical efficiency and non-technical progress to improve productivity improvement industry.Therefore, in order to promote the further development of banking industry, not only should actively encourage production technology of independent innovation, develop and use the financial derivatives, more importantly, in business expansion and promptly improve management ability, and timely adjust scale in ascension, so as to improve the competitiveness of the comprehensive efficiency of banking.