| After the era of reform and opening-up, China formulated reformational principles and polices about banking system, which changed the history of banking in China a lot. Originally China implemented unitary financial supervision, and People's Bank of China is the only supervision organization. As from June 1998 the monetary industry officially implemented separated business operation and supervision. The three major supervision organizations, People's Bank of China, China Securities Regulatory Commission and China Insurances Regulatory Commission, started to be responsible for the supervision of banking, securities and insurance affairs of China respectively. In April 2003, in accordance with the organization reforms of the State Council, China Banking Regulatory Commission was established to take over the supervision from People's Bank of China so as to reach the goal of separating banking supervision from monetary policy. After more than thirty years of reform of financial system, China's rapid economic growth have experienced by the transformation from unitary banking system to comprehensive banking system. The finding show that China's financial reform gains significant accomplishment, but the efficiency of commercial banks constitute a potential heavy barrier to further rapid economic growth. Also, because of the promotion of China's economy performance and strategic position, the efficiency of commercial banks contains the consideration to other factors.This paper below used the data from 14commercial banks from 1996 to 2008 to calculate the technical efficiency, pure technical efficiency and scale efficiency of commercial banks in China by using DEA, define the variables and measure the dynamic efficiency of each bank, the operating efficiency of commercial banks based on Malmquist index, and explore the main reason for the lack of efficiency and improvement direction of banks. The comprehensive analysis of discussing the result, mainly including:general analysis, the difference variable analysis, sensitivity analysis and dynamic analysis. The paper is divided into six parts, the main contents and structures are as follows:Chapterl is introduction. This chapter mainly introduces the research background, meanings.Chapter2 is the literature review of the efficiency influence factor of commercial banks home and abroad. In this chapter, I go on literature survey in efficiency estimate, efficiency influence factor, domestic efficiency study of commercial banks, and point out their problems.Chapter3 is the theory analysis of efficiency and efficiency of banks. This chapter has reviewed the theories of efficiency and efficiency of banks and the development process. It also summarized the results of financial institutions performance and pointed out the important contents and concerns of different evaluation methods.Chapter 4 is the research design and the empirical research of efficiency. This chapter selects the analysis model (DEA model). This chapter also gives a detailed description of sample selection and data collection and selects the input, output indicators according to the characteristics of China's commercial banks then constructs the DEA model for efficiency evaluation and establishes the Malmquist index model.Chapter5 is the research conclusion and suggestions to improve the efficiency of commercial banks. Combining the previous chapters, this chapter draws conclusion for the research and offers suggestions to improve the efficiency of commercial banks. According to the earlier findings of the paper, this chapter gives detailed suggestions to improve the efficiency of commercial banks in reforming policy design and internal management of commercial banks. |
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