Empirical Research On Efficiency Of China Listed Commercial Bank

Efficiency of banking is the sign of its competence, which is a measure of the effectiveness of banking resources and an important indicator of business related to the sustainable development of the banking industry. In China, the listed commercial banks are the main body of China's banking industry, and its level of operating efficiency is not only our whole society which directly related to the effective allocation of resources, but also affects the stable development of China's financial industry. This paper studies the efficiency of the issue listed commercial banks, focusing on the empirical point of view of methods of measuring the efficiency of commercial banks, factors, and ultimately find the Chinese commercial banks to enhance the efficiency of measures. It has important theoretical and practical significance of deepening the reform of commercial banks in China to improve China's banking industry and then improve the overall efficiency of the financial sector.In this paper, the research of the efficiency of domestic and foreign banks were reviewed, then pointing out the efficiency of our current research problems. After reference to domestic and foreign research results, it introduced the measure of bank efficiency nonparametric methods and parametric methods, then their advantages and disadvantages are analyzed and compared. With this research focus, we choose the method of DEA efficiency measurement, select the interest expense, operating expenses for the input variables, interest income and non-interest income for the income variable, a measure of 11 listed commercial banks nationwide 2003-2009 7 years on the technical efficiency, then use the Malmquist index inspect the dynamic changes. of the efficiency of the bank. The empirical results show that:First, joint-stock reform of state-owned commercial bank reform is to be effective, because state-owned commercial banks in the market transition and a greater improvement of corporate governance, and a large number of the introduction of foreign advanced technology and equipment. Second, the state-owned commercial banks and joint-stock commercial banks, the efficiency of the improvement was not significant due to its relatively weak technological innovation capability.Third, large commercial banks in the stage of decreasing returns to scale, the scale of smaller banks in the decreasing phase.Fourth, China's macroeconomic policies are important for the role of bank efficiency. Finally, the macro, meso and micro level analysis of the listed commercial banks efficiency factors, then efforts should be made to improve the macro-economic external environment, to promote the reform of property rights listed banks, the establishment of a wide range of property rights system, proper identification of bank size, improve bank Scale efficiency, to accelerate technological innovation and other policy recommendations for improvement.