An Analysis Of The Efficiency Of Urban Commercial Banks In China

City commercial banks play an important role in China ’s financial system.In recent years,the total assets of urban commercial banks broke through a new high,although the current view of the absolute share of the financial system is still low,but reflects the strong development potential and good development trend.Based on the theory of commercial bank efficiency,this paper chooses the financial indicators of 99 city commercial banks nationwide for the period from 2010 to 2015 as the sample data,and uses the VRS model and Malmquist index in the input data envelopment analysis Service efficiency and profitability of the two aspects of the comprehensive efficiency,pure technical efficiency,scale efficiency and all factor change index.At the same time,this paper also uses the TOBIT regression model to examine how the influencing factors will affect the operational efficiency of urban commercial banks.In terms of service capacity,the change of comprehensive efficiency,pure technical efficiency and scale efficiency value of national urban commercial banks from 2010 to 2015 showed the trend of increasing first and then rising.The average comprehensive efficiency,average pure technical efficiency and average scale efficiency were 0.611,0.738,0.810.In the scale of the increase in the number of firms in the city to reduce the number of years,while the decline in the size of the number of firms in the city increased year by year.The rate of change of technological efficiency during each year from 2010 to 2015 is greater than 1,and the rate of change of technological progress is less than 1,and the rate of change of productivity is declining as a whole.In terms of profitability,the average comprehensive efficiency of 48 city commercial banks is above 0.7,the average pure technical efficiency of 71 cities is above 0.7,the average scale efficiency of 98 cities is above 0.7,and the sample banks However,the rate of change of technological change rate is "M",and the rate of change of productivity of 37 commercial banks is greater than 1,indicating that the production of most commercial firms is the same as that of urban commercial banks.Is not to achieve the most optimal,profitability to be further improved.In the empirical analysis of influencing factors,it is found that the allocation and stability of resources are not directly related to the operating efficiency of urban commercial banks.Bank scale,capital adequacy ratio and intermediate business income are positively correlated with the efficiency of urban commercial banks,The cost income ratio is negatively correlated with the operating efficiency of the city commercial banks.In view of the above conclusions,this paper puts forward some suggestions on how to improve the scale efficiency and technical efficiency of city commercial banks.Through the rational development of strategic planning,expand market share,capital increase,actively preparing for listing,mergers and acquisitions,to maintain a reasonable capital adequacy ratio to improve the scale of commercial banks.By reforming the ownership structure,improving the corporate governance mechanism,strengthening the intermediary business,improving the innovation ability and reducing the NPL ratio to improve the technical efficiency level of the city commercial banks.