Empirical Study On Commercial Banks' Efficiency And Its Influence Factors In China

Any society's economical development all is impelled together by many factors,In the commodity money economy long-term developing process, the financial factors' function is growing unceasingly, Specially in the modern economy, the financial factors' importance varies more and more prominently, the emerging industrial nations and After the reform and open policy China's economy took off the process also to prove this point. Since the finance has so important status in the modern economy, then, the financial movement efficiency condition has the extremely vital significance to the economic society health development and the sustainable development. But in our country, the commercial banks is finance industry main body, Throughout occupies on the dominant position in our country financial system, so, appears to our country commercial banks' efficiency and its the influence factors study is extremely essential.This article in the comparison parameter law and in the non-parameter law good and bad points foundation, mainly used the non-parameter method —DEA method to survey our country commercial banks' efficiency. In summarizes the domestic and foreign existing research results foundation, selected the representative 13 commercial banks to take the sample in our country, according to the DEA method principle, has surveyed 1998-2004 year all sample banks' technology efficiency, the scale efficiency, the pure technical efficiency and the ultra efficiency, And carries on the comparison to it, and briefly to carry on the contrast with the conclusion which obtained by other scholars. After surveys our country commercial banks' efficiency, key to carry on the analysis on the factors which affect our country commercial banks' efficiency, At the same time, considers our country commercial bank, especially The state-owned commercial bank in system and so on is different with the western nation commercial banks,in influence factors selection more pay attenion to our country commercial banks' characteristic. The article from the interior and exterior two aspects carry on the analysis the factors about affecting our country commercial banks' efficiency. Exterior factors affects the banks' efficiency including: One is the macroscopic economic agent, like economical cycle, price change, interest rate change, exchange rate change and so on; Two is the profession factors, like banking industry's market mechanism, government's industrial policy and government to banks' supervising and managing and so on; In the...