Research On The Efficiency Of Credit Resource Allocation In China 's Commercial Banks

The quickening pace of banking reform in recent years, the efficiency of commercial bank problems once again become the focus of financial community, government and scholars concern, this article attempts from the perspective of financial function, our country commercial bank credit resource allocation efficiency, about how to measure and calculate the bank efficiency, is to see the realization of the function of banking and finance degree, whether in a specific system environment conducive to achieve its function. In all stages of economic development, to the function of the commercial bank will have different requirements, to match with the adaptive function, and under the function of different financial structure, and further determine the efficiency of commercial Banks in China worth. Now to study how to improve the allocation efficiency of credit capital, reference Jeffrey Wurgler (2000) the capital allocation efficiency of the model, to establish the panel data model of efficiency of capital allocation in China, from 2001-2012 in the whole bank credit resource allocation efficiency, it is concluded that in the twelve years our country commercial bank credit resource allocation efficiency between average of 0.01, in a very low level. Then, to our country as a whole is divided into three regions, respectively to detect the credit capital allocation efficiency of three regions, the provincial level; Central credit allocation efficiency is low and basically at the same level during this period, respectively from the horizontal and vertical contrast between the three regions of capital allocation efficiency, analyzed from 2001 to 2012, China’s three major regional credit capital allocation efficiency changes every year, and indicate the cause of this change, and puts forward the corresponding policy recommendations.