The Research To The Competition Of State-owned Commercial Bank Based On The Angle Of Efficiency

This paper analysis the state-owned commercial bank's competitive power based on the competitive power equation from two aspects including the bank resources disposition efficiency and the efficiency change process attempting to structure a brand-new analysis frame on commercial bank's competitive power. First, we use DEA approach to anlysis the state-owned commercial bank's scale efficiency and DFA approach to anlysis the state-owned commercial bank's X- efficiency, making an inspection on state-owned commercial bank's scale efficiency and the management efficiency situation.Next, we anlysis banking industry's market mechanism to state-owned commercial bank's efficiency influence, making an inspection on state-owned commercial bank's scope efficiency situation based on SCP structure. Finally, we select ROA as the bank competitive power's demonstration target, take it as a dependent variable, take the scale efficiency and the market mechanism factor as the independent variable, carries on the regression analysis, from dynamic angle inspection anlysis the four state-owned bank competitive power change.Through above analyzes,we discover that, the state-owned commercial bank's scale efficiency is low, and its change highly along with the State bank reform policy.The state-owned commercial bank has the X -unefficiency, demonstrated the management efficiency of the four state-owned commercial bank is low.The state-owned bank uneconomical scale expansion, make the expansion of state-owned commercial bank's market share to cause the bank the organization efficiency and the market efficiency dual losses.The state-owned commercial bank's efficiency improvement has the obvious function to the state-owned commercial bank competitive power's enhancement.The high degree of concentration market mechanism does not favor the state-owned commercial bank the competitive power enhancement.So, it is the effective way to promote state-owned commercial competitive power by optimizeing the state-owned commercial bank the organizational structure, promoteing the organization bank activity the managed capacity; Using the technology advancement to promote state-owned commercial bank's operation efficiency.