Efficiency Of Commercial Banks In China

On December 11, 2001, our nation became the member of world trade organization formally, the work opening to the outside world of our nation entered new developing stage . According to WTO file " the announcement about question of market access of financial institution of foreign capitals ", from December 11, 2001, cancelled the restriction on foreign currency operation service object of financial institution of the foreign capitals. Allow the financial institution of foreign capitals in Shanghai, Shenzhen to manage the business of RMB formally, the financial institution of foreign capitals in Tianjin, Dalian to apply to manage the business of RMB and etc. The banking of our nation faces the strong impact of the foreign capitals bank.At present the leading part of banking of our nation is still four major solely state-owned commercial banks. With the aggravation of the competition, the prospects of these banks are troubling. Compare with influential foreign banks, the new developing commercial banks develop fast at home, but the disparity is great. A lot of reasons have caused the phenomenon, but discover, the difference of the efficiency of the bank has caused the difference of the performance of the bank directly. Through the efficiency research to the commercial bank of our nation, we can find extant question in banking of our nation, probe into the disparity existing with the foreign capitals bank, and then can put forward the effective improvement measures, help the banking of our nation to improve the international competitiveness.The basic thinking of the thesis is to introduce DEA method and estimate the comprehensive efficiency of banks of our nation relying mainly on listing banks of four, divide comprehensive efficiency into scale efficiency, pure technology efficiency and allocation efficiency three parts. These bank samples still include the representative solely state-owned commercial bank and shareholding system commercial bank has not been listed. Then carry on horizontal comparative analysis of efficiency of the listing banks and other banks. On the basis of the analysis, analyses the impacts on comprehensive efficiency oftechnology efficiency (including scale efficiency and pure technological efficiency) and allocation efficiency separately. The goal of efficiency analysis is to draw such impacts on efficiency of the bank of the factors as technology, scale , property right , company administration structure and government control ,etc. The full text divides into 5 chapters altogether, arrange as follow.Chapter one the foreword, its main content is the challenge, opportunity and reform trend that banking of our nation faces after the accession to the WTO of our nation, the focal point lies in introducing the management current situation of the listing bank of our nation, put forward the theory meaning and realistic meaning of analyzing the efficiency of listing bank of our nation.Chapter two a document survey, introduce the current situation of present domestic and international study on efficiency of the bank mainly, make detailed introduction and summarize different views at present to DEA algorithm.It is a key part of this text chapter three reach chapter five, quote the data in chapter three, use DEA method to calculate to scale efficiency of bank of our nation, then make horizontal comparative analysis on the efficiency index of different nature banks, analyze the reasons of higher efficiency of listing banks.Chapter four specially analyze the pure technology efficiency of the banks, draw some main influence factors, such as technology, scale, management level etc, make every effort to find the function mechanism and influence degree to efficiency of these influence factors.Chapter five analyze allocation efficiency, its thinking of analysis is similar to chapter four basically, the main influence factor may be the property right structure of the bank, company's administration structure and government control.Chapter six summarizes the above analysis.