The Influence Of Property Right Structure On Our Country Commercial Bank Management Efficiency

Along with the social and economic system reform in our country, as the core of our economy, financial system has been undergoing many changes, and the commercial bank, as the main body of financial system, has been essential in all these changes. Especially in recent years, with the rapid development of Internet information technology and the relaxation of the financial regulation, great changes have taken place in the banking business environment. The entry of foreign Banks, the development of folk financing institutions, trust the appearance of the insurance industry and the birth of electronic retailing bank, these all contributed to the intense competition in the banking sector in China, but also to the traditional commercial Banks to a punch. Commercial bank deposits, foreign loans and intermediate business as the main business, in order to profit as the goal of financial enterprises, the traditional profit model is earning wasn deposit. And with the degree of marketization of interest rate, exchange rate is higher and higher, the savings and loan wasn winding down, all these put forward great challenge to our country commercial bank management. Especially since the 2008 world economic crisis, the global economic situation in major economies appear serious decline, some countries even recession phenomenon; The global stock market fell sharply, the long bear market; Frequent business risk, financial institutions bankruptcy; Falling exchange rate, financial market downturn. China as a developing country, economic development situation is not very big reversed, but the impact of the global economic crisis has to be reckoned with.How in the new economic pattern, the new financial system and the bad economy out of the problems we face at home and abroad, make themselves in an impregnable position, which requires commercial Banks to improve business efficiency. There are many factors that can influence the efficiency of the business, including bank scale, stability, innovation, asset quality, corporate governance, property rights structure, resource allocation, risk, etc. This paper is to analyze the influence on commercial Banks operating efficiency from the aspects of commercial bank property right structure. The general sense, a single property will form monopoly and monopoly can reduce operational efficiency, business efficiency is not high and will cause a series of chain reaction, which can lead to the bankruptcy of commercial Banks. So, how to prevent monopoly, what kind of property right structure will improve the efficiency of management? Therefore, study the effect of property right structure of commercial Banks operating efficiency, has very important practical significance.This paper firstly defined to commercial bank business efficiency, based on this, analyzes the influence mechanism of property right structure of commercial Banks operating efficiency; secondly, based on the mediation method, select a few representative input and output indicators, combined with principal component analysis and DEA method, the measurement data processing,13 of our country commercial bank management efficiency is calculated; once again, to select indicators for property right structure, mainly includes the nature of property right and property right concentration, based on commercial Banks micro factors, variable selection tool, an empirical analysis using TOBIT regression method property right structure on the influence of our country commercial bank management efficiency; then, according to the theory and empirical analysis concluded. Analysis results show that under certain conditions, the state-owned property rights, investment and property right concentration factors index of high and low are positively correlated with commercial Banks operating efficiency. But any property parameter values highly prominent, will cause the commercial Banks operating efficiency decline. Only balance diversified ownership structure can effectively improve the efficiency of Chinese commercial Banks. Finally, based on the current actual situation of commercial bank in China, combining with the above research conclusion, commercial Banks, three Suggestions are given. One is the property right structure; The second is reasonable decentralized equity; Three is to perfect the commercial bank corporate governance mechanism. And through these proposals to explore to promote the efficiency of commercial bank management path, promote our country commercial bank health management, steady development.