| Banking supervision not only aims to maintain the stability and safety of the banking system, but also to improve the commercial bank's operation efficiency on the premise of stability and safety of the banking system. Too much emphasis on the safety of the banking system, may sacrifice the efficiency of the bank, this will make the banking supervision to generate high costs; Similarly, the commercial banks as the main body of the market, one of its main objectives is the big interests, in the process of maximizing the interests, if taken excessive risks, it may take the risk to the entire banking system, cause financial turmoil, and affect the whole economic system, have serious social costs. Therefore, bank regulators and commercial banks should to find a balance between risk management and operating efficiency, achieve the overall benefit maximization. it requires us to have a deeper understanding of the relationship between the operational efficiency and risk of commercial banks.In this paper, we construct an evaluation system for risk and operating efficiency of commercial banks, make a factor transformation for risk and operating efficiency indicators of the 150 commercial banks from the 2000-2012 annual report, then analyze the correlation between them. The result shows: Risk supervi sion of the banks is effective, operating efficiency is negatively correlated with risk of listed commercial banks, the empirical data do not support the risk expansion of bank to improve operational efficiency; some joint-stock banks have a strong correlation between risk and operating efficiency; despite state-owned banks have a lower level of risk, but the risk and operating efficiency has a weak correlation. One of the reasons is because the risk is brought about by the income uncertainty, correlation between efficiency and risk management is low, the risk of the bank level may be higher; the two reasons is subject to all the system's influence, even if the risk is low, will lead to the bank's operation efficiency is not high. We recommends: to improve competition of state-owned banks to promote them improve operational efficiency; to take more severely supervision to the bank that has bad risk awareness.At the same time, we think it is necessary to monitor the listed commercial banks risk and operational efficiency real-timely, so as to prevent the excessive and excessive risk-taking of commercial banks, which proposed to establish a n EXCEL monitoring system risk and management efficiency of listed commercial bank.The demand analysis of risk and management efficiency EXCEL monitoring system mainly includes three aspects: the evaluation demand of the management risk and efficiency; the correlation analysis demand between business risk and efficiency; dynamic monitoring demand of risk and management effic iency. On the basis of demand analysis, process and design of the risk and the management efficiency of monitoring system is described in detail.The monitoring system designed in this paper is simple and easy to understand, strong applicability. The possible innovations are: trying to set up an EXCEL risk and management efficiency monitoring system of listed commercial bank to real-time monitor risk and management efficiency; to solve the problem that general model analysis cannot dynamic analysis data in EXCEL. |
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