Research On The Management Efficiency Measure And Influence Factors Of China Commercial Banks

The study of bank efficiency not only can evaluate the efficiency of the Banks, also can find out inefficient internal and external factors, and then by improving these factors to improve efficiency. This paper using the financial index analysis and data envelopment analysis to calculates the efficiency value, and make classification comparison and ranking. Overall, the results of two kinds are consistent and complementary. The measuring results show that the management efficiency of the Banks in our country, on the whole, the variation characteristics of u-shaped rise after falling first, the efficiency of joint-stock Banks are higher than that of state-owned Banks, but the efficiency improvement of state-owned Banks are higher than the joint-stock Banks. Efficiency decomposition results found that the pure technical efficiency of state-owned Banks is much higher than the joint-stock Banks, but the scale efficiency is lower than joint-stock Banks, state-owned Banks are in a stage of scale diminishing returns, and the joint-stock Banks are in a stage of scale increasing return stage, large size is the limits to promoting the efficiency of the state-owned Banks, joint-stock Banks have continued to rise in market share.Frontier efficiency theory suggests that compared with economies of scale and scope economy of bank’s operation, the factors related to the operation and management are more likely to affect the bank’s management benefit. Therefore, this article emphatically reviews our country bank efficiency affected by what factors from the aspects of bank internal management. Use the efficiency value measured by super efficiency model as the dependent variable, market concentration as the measure of external competition environment, by constructing panel data model to test which internal factors affect the efficiency of bank. The regression results show that the degree of market concentration has important influence to our country bank operating efficiency. Be explained variable itself has significant first-order lag effect, shows that our country commercial bank efficiency of operation have self-reinforcing effect on time. Capital adequacy level has a negative influence on efficiency of commercial Banks, but no significant influence coefficient. Non-performing loan ratio, operating rate and cost income ratio have a significant negative impact on management efficiency of the commercial Banks; Loan-to-deposit ratio and the average return on assets have a significant positive influence on commercial Banks operating efficiency, showing that profitability and cost control ability, the quality of loan, and asset allocation level has significant effects on commercial Banks operating efficiency. The market share of commercial Banks have less obvious positive influence on management efficiency of banks, our commercial bank market scale has moderate problems. Non-interest income ratio which measuring of the bank business scope has no significant negative impact on bank efficiency, non-interest income is low in our country and did not give full play to the role of dispersing risk and ensuring income. Finally, according to the theory and empirical studies, this article put forward some suggestions to improve our country commercial bank management efficiency from internal management and external environment of the commercial Banks.