China's Banking Efficiency Evaluation Research Under The Condition Of Opening Economy

Banking is one of the main pillars of economic development,whose stable healthy development,not only concerns the national economic stabilization and realization of China's well-off society,but also has the positive significance for optimizing allocation of the national resource.Especially after China entering the WTO,with improving the extend of opening,the China's banking not only face domestic counterparts' competition,but also face the competition from the foreign banks,its performance evaluation also becomes more complicated for foreign capital.According to banking performance evaluation theory and evaluation system of the ministry of finance,the camels rating system of America's banking performance,Goldman's banking performance evaluation system,economic value added(EVA)model,etc,the essay adopts the case study,to research China's commercial bank performance evaluation under the condition of opening economy,to supplement and perfect the theory and method of banking efficiency study at home and abroad;provide China's banking supervision department evaluating performance level of commercial bank with reference,and help the supervision department to formulate specific regulatory policy by providing the theoretical basis;meanwhile,help every bank to find performance differences from the other bank and the branch of bank,to reach the aim for optimizing resources allocation;on the other hand,help investors to know the development situation of every bank,then to adopt more scientific investment strategy,to rightly guide the flow of social capital;ultimately,promote sustainable development of banking industry and transformation of commercial banks' mode.The main content of this paper includes the following parts:The first is introduction.Summarizing the research background,significance,and related research essay at home and abroad,which provide the basis for the following research.The second is the theoretical basis of banking performance evaluation.Doing theoretical analysis of banking performance evaluation theory and evaluation system of the ministry of finance,economic value added(EVA)model,the camels rating system of America's banking performance,Goldman's banking performance evaluation system,etc.The third is the present situation,characteristics and development trend of China's banking performance evaluation.On the base of analyzing present situation of China's banking performance evaluation,to analyze the changing characteristics and development trend of our country's banking.The forth is using for reference foreignadvanced system to set up the performance evaluation system suiting for our country's commercial bank.Adopt the method of DEA to do the banking efficiency.The fifth is the empirical analysis of the factors affecting the efficiency of our country's commercial banks.On the basis of analyzing the factors affecting the efficiency of our country's commercial banks,do data selection and model construction,and to do economic analysis of Tobit model.The sixth is the policy recommendations improving our commercial banking's efficiency.The above study,this essay puts forward suggestions from four aspects for improving our country's commercial banks ‘ performance.The first is from the angle of government supervision: further perfecting supervision mechanism and performance evaluation system;the second is from the angle of the banking internal control: further strengthening the perfection of banking internal controlling regulation;the third is from the angle of banking business: further seek the profit growth potential of the business out of the table;the forth is the angle of banking innovation,further strengthen the innovation of service system and product system.Improving the efficiency of banking is one of the fundamental way for promoting the development of our country's banking,the development of our country's banking should focus on improving the efficiency,then to improve the market competitiveness of the banking industry,only in this,under the environment of fierce competition in the international market,to promote China's banking industry further development.