The Study Of Our Country Commercial Bank Efficiency Based On Undesirable Outputs

Along with the economic integration, economic cooperation between the countries all over the world is more and more closely, trade is becoming more and more frequent, at the same time of cooperation and communication, competition is also becoming more and more fierce, for the banking sector, is even more so. In such fierce competition, to be in an impregnable position, it is particularly important for the banks to improve the efficiency of their own. First to find its own shortcomings, and then suit the remedy to the case, is the antidote.For efficiency evaluation model, the selection of indicators is crucial.This paper collected16commercial Banks’data, which from the balance sheet and statement of cash flows.Then we use the latest cash value added method to determine the input and output indicators, which can ensure the objectivity of the index selection. In addition, as a bank, because of its financial products has its own particularity:the profits and risks are coexisted; therefore in the framework of measuring efficiency, it is necessary to take the risk into account. In this paper, we put the management activity of non-performing loans in the modelwhich is seen as undersiable output.The SBM window analysis model is established, it can make a dynamic analysis of the efficiency of Chinese commercial Banks, then compared with the undersiable output which is not taken into account, the results show that, after considering the undersiable output,the efficiency of the bank is reduced, this indicates that the undersiable output has an impact on the efficiency of bank, so when evaluating the bank efficiency, it is more reasonable to consider the undersiable output. On this basis, this paper takes a further advantage of Malmquist index analysis to make a variance analysis of our country commercial bank efficiency; the results show that the low efficiency of Chinese commercial Banks, mainly due to insufficient technological progress, technological progress is therefore the factors influencing the efficiency of Chinese commercial Banks should not be ignored. Finally, we collect the data of the scale, the innovation, stability, profitability, configuration, corporate governance and ownership structure to explore factors that influence efficiency of bank, using the panel Tobit model to analyze the influence factors of our country commercial bank efficiency, the results show that the degree of the innovation of the commercial bank, the stability of the bank can generate positive positive impact on the efficiency of commercial Banks, company of agency costs, the role on the efficiency of Banks is negative, so commercial Banks should strictly control the cost management, constantly improve their ability to innovate, constantly enhance their stability.