Our The Listed Bank Credit Approval System Operating Efficiency Relationship Studies

Degree of financial development is an important degree of national economic development. Especially in China, capital market development is still in its infancy, banking accounts for the majority of the financial sector, from whom 90 percent of the credit funds come into being. Ever since China's accession to WTO in 2001, the situation of banking in China has begun to change. In recent years, with WTO's failure in protecting local banks, banks from foreign countries have changed from strategic investment towards setting up branches in China's banking competition. The entry of foreign banks to China's banking sector offers a huge operating pressure. Therefore, improving the efficiency of China's banking industry turns significant. Since subprime mortgage crisis burst out in the US in 2008, the credit scale becomes tighter and tighter, whether or not the credit audit system could adapt itself to the stage of economic development has caught increasing attention.Based on the background mentioned, this paper mainly studies the relationship between the efficiency of China's listed banks and the configuration of credit audit authority. First of all, we will make use of data envelopment analysis to study the context of operating efficiency status under the background of the 2008-2010 global financial crisis, which shows that during 2008-2010, efficiency of China's listed commercial banks has been steadily improving; meanwhile, the pure technical, technical and scale efficiency of city commercial banks rank first, followed by joint-stock commercial banks, and the four state-owned commercial banks turns out to be the lowest.Secondly, on the foundation of studying the efficiency of listed commercial banks with the usage of data envelopment analysis, we will creatively use the degree of concentration of credit audit authority to configure and describe the bank credit audit system. By the regression analysis between the efficiency of banking operations and the degree of concentration of credit audit authority configuration, we intend to show that pure technical efficiency, technical efficiency has a significant correlation with the commercial bank's credit audit authority configuration,there exists a best approval authority configuration to promote the development of commercial bank's efficiency.