Impact Of Environmental Factors On The Efficiency Of Bank Operation

Changes in the current economic situation require me to have commercial banks to speed up the transformation of profit models,optimize the allocation of assets,and improve the bank's own operating efficiency.Therefore,this paper mainly aims at exploring the efficiency of state-owned banks,and selects 18 commercial banks(5 state-owned banks,9 joint-stock banks and 4 city firms)as the research object.The three-stage DEA(data envelopment analysis)model is used to measure the efficiency of commercial banks.The results of the second phase of the regression show that:(1)the increase of customer concentration needs to increase the investment of human resources and hardware facilities,increase the cost of capital,but increase the efficiency of capital allocation;(2)the increase of industry concentration will make the resources more efficient and efficient.(3)the state-owned bank's human resources,hardware input and capital input are wasteful,but the cost of capital is low;(4)reduce the risk of assets,need additional manpower,hardware configuration input,will increase the cost of capital use,and ultimately increase the efficiency of capital.(6)A good financial environment will improve the allocation of all indicators and facilitate the operation of commercial banks.After the second stage,the adjusted pure technical efficiency can show the resource allocation level of the bank more objectively,and the result shows that the state-owned bank faces the inflection point of pure technical efficiency after 2015,which exceeds the other types of banks.