The Research On Chinese Bank’s Efficiency And Influence Factors

Commercial banks are the most important part of the national financial system,its operating efficiency level is not only related to the optimal configuration of theresources of the whole society, but also affect the transfer of financial and economicpolicy and the implementation. Analysis to measure and compare efficiency ofcommercial banks as well as the factors that affect the efficiency of commercial banks,to find a reasonable method to enhance the operational efficiency and social benefitsof the commercial banks, has a very important significance.In this paper, we use the data from2006to2011China ’s16commercial banks，from multiple angles (profitability, business expansion capability and integrationcapacity), measure the China Banking efficiency using data envelopment analysis.And we use Malmquist index to get a more objective Statistics Measurement andEvaluation from a dynamic point of view. Based on qualitative analysis ofmacroeconomic factors，industry factors and Self-factors, we measure out to the profitfactors by quantitative analysis, using of regression analysis of Tobit regressionmodel.The results show that in the Profit DEA model, the large banks in this period oftime the average profitability of technical efficiency is always greater than thejoint-stock banks. Bank of China, China Construction Bank, China Merchants Bank’sperformance is high and stable technical efficiency. In the Number DEA results, wecan know better than average technical efficiency of the joint-stock banks to largebanks, especially in2011. Compositing input-output index of the first two models, inthe Number Profit DEA model, we found that the joint-stock banks are higher than inmost year average technical efficiency of large bank. From a single bank, ShanghaiPudong Development Bank and the Industrial Bank is always in the productionfrontier surface in the observed sample, consistent with the results obtained in theNumber Model. In the Tobit regression model analysis, we found that the rate ofnon-performing loans, innovation and time-to-market is an important factor to affectthe efficiency of bank profitability, while total asset, loan-to-deposit ratio is notsignificant.