Chinese Commercial Bank Management Efficiency’s And Influencing Factors Research

In recent years,with the advancement of China’s financial marketization reform and the reduction of bank access thresholds,foreign banks have continued to enter,private capital has gradually entered the banking industry,and local small banks have been established in various places,coupled with the rapid development of Internet finance.The development of banking business.As the main body of the financial industry,commercial banks are faced with complex and changeable external circumstances.Based on the above background,based on combing related theories and literature,this paper analyzes the status quo of the banking industry,selects 18 listed commercial banks from 2006 to 2016 as samples,conducts empirical research on efficiency measurement and influencing factors,and gives Out of the research conclusions and recommendations.According to this idea,the research content of this paper is as follows.The first chapter is introduction.The research background and significance of this paper are introduced,and the research content and research methods are clarified.And finally pointed out possible innovations.The second chapter is the theoretical basis and literature review.Based on the theory of efficiency,the theoretical basis begins with an in-depth review of theories related to efficiency-related theory,banking industry efficiency theory,measurement of banking industry efficiency,and efficiency influencing factors.In the literature review section,the study on the efficiency of banking industry at home and abroad was combed and summarized.The review at home and abroad includes a summary of efficiency measures and a review of the influencingfactors.The third chapter analyzes the status quo of the banking industry.Introduced the general situation of China’s commercial banking industry and its macroeconomic situation,and summed up some of the current challenges.The fourth chapter is the analysis of efficiency measurement.The listed 18 commercial banks were selected as the representatives.The input indicators were determined as fixed assets and operating expenses and the number of employees.The output indicators were operating income and total profit.In analyzing and decomposing various static and dynamic efficiency values,the sample banks also divided the categories according to the types of institutions and analyzed the differences.The fifth chapter is the analysis of the influencing factors of efficiency.Regarding the selection of factors affecting the efficiency of the banking industry,the GDP growth rate,the industry factor HHI index,and the bank’s internal factors representing the macroeconomic environment were selected: asset cost ratio,loan-to-deposit ratio,provision coverage ratio,market share,and financial innovation degree.By using the Tobit model for the data of 18 sample banks in 2006-2016 to test empirically,it is concluded that the above factors,apart from the loan-to-loan ratio,can significantly affect the operating efficiency of China’s commercial banks.The sixth chapter is the conclusion and suggestion of this article.The results of the analysis of efficiency measures and influencing factors are summed up to form a series of rigorous and systematic conclusions,and operative suggestions are put forward in terms of bank internal reform,market opening,financial innovation and supervision.By using the traditional DEA measure efficiency and using the limited Tobit model to empirically analyze the factors affecting efficiency,the following conclusions are drawn: In recent years,the annual average technical efficiency,pure technical efficiency,and scale efficiency of China’s commercial banks are at a relatively high level.However,there are also imbalances between various banks and different banks.Judging from the dynamic efficiency of Malmquist index measurement and decomposition,total factor productivity is affected by technological progress greater than technological efficiency.Through the regression analysis of the influencing factors,it is concluded that the GDP growth rate,HHI index,asset cost ratio,provision coverage ratio,bank’s market share,and financial innovation degree all have a significant impact on the technical efficiency of commercial banks.