Studies On Efficiency Of Chinese Commercial Banking Based On The Two-stage Super DEA

Bank efficiency has long been the focus in the research of bank competitive advantage. Since the grim-competing bank system in China has been formed , the Chinese banks have faced more competition come from foreign banks .Thus , the research on bank efficiency should be one of the important approaches to improve Chinese banks, competitive ability ,which for this reason constituted a main issue studied in this work.After the review of some related researches on foreign or native banking ,this paper interprets the basic meaning of the bank efficiency and the approaches applied in the researches, non-parametric or parametric .then,on the basis of bank efficiency be broken down into service efficiency and profit efficiency ,the paper makes use of the data envelop analysis and super-data envelop analysis to estimate the service efficiency and profit efficiency of 12 commercial banks from 1999 to 2005. The estimation result shows that:①the efficiency of the whole banking increases gradually and fluctuates at the same time ,the effect of service efficiency and profit efficiency to efficiency is a short-term,and the difference of service efficiency between profit efficiency is small .②the service efficiency of state-owned banks is lower than that of shareholder-owned banks ;③the profit efficiency of the whole banking is medium and the profit efficiency of state-owned banks is lower than that of shareholder-owned banks ,but since 2001 year, the profit efficiency of state-owned banks increases gradually ;④the super-data envelop analysis really arranges in an order the efficient banks。The research on the influencing factors is conducted in multivariate regression model , while the service efficiency and profit efficiency estimates are referred as dependent variable , The multivariate regression result shows that: the influence of the same factors to service efficiency and profit efficiency is different , the property right structure , the bank scale , the operation competence , the marketing concentration ratio have positive correlation coefficient with service efficiency and profit efficiency ; the inflation , the earning power , the business loan only have correlation coefficient with profit efficiency, the capital adequacy rate has irrelevance with service efficiency and profit efficiency .Based on the above results, some suggestions are made in this paper. This paper presents should establish the relative concentration of the industrial structure, deepening reform of state-owned commercial banks, optimizing the allocation of bank assets, and promote the positive role of the bank mergers and acquisitions, strengthening the banking sector and the degree of financial innovation, improve the macroeconomic environment.