Research On Efficiency Evaluation Of XJ Commercial Bank In Hunan Province Based On DEA Model

As China's economic growth has entered the "new normal" and the rise of Internet finance,China's banking industry is facing unprecedented challenges.At present,China's economic growth rate is slowing down.Under this influence,China's commercial banks are facing the challenges of declining profit growth and increasing non-performing loan ratio.The emergence of Internet finance also has a certain impact on traditional commercial banks' business philosophy and marketing strategies.At the same time,the emergence of new things,such as the development of Internet finance,also brings opportunities for the transformation of traditional banking industry.Therefore,faced with the challenges and opportunities,how to effectively improve efficiency and competitiveness has become an important issue for commercial banks.With the loosening of capital controls in China's banking industry,private capital has begun to enter the banking industry,and a large number of small and medium-sized banks have begun to appear.The new challenges and new changes that the banking industry faces is a new era of new urban commercial banks.Small and medium-sized banks,such as urban banks,are generally limited to a certain area because of their operating scope or area,and their business is relatively unitary.It faces more challenges than the national commercial banks.The problem of this paper is whether there are significant differences in the operating efficiency of the new urban commercial banks' branches and whether the new urban commercial banks have different operating efficiency compared to large state-owned banks,joint-stock commercial banks and other urban commercial banks.In order to answer this question,this paper selects the XJ Commercial Bank of Hunan province and 15 branches of Hunan as the research sample.Based on the availability of the data,we take the number of employees and the total amount of deposit as the input index,the total loan amount and net profit as the output index,and use the DEA model to make an empirical analysis of the branch operation efficiency.Transversal and longitudinal contrast analysis was performed.At the same time,in order to analyze the gap between XJ commercial banks and other commercial banks in Hunan Province,this paper selects 25 commercial banks,including XJ commercial banks in Hunan province(the branches of state-owned commercial banks and joint-stock commercial banks as well as other urban banks)as research samples,respectively.Their business efficiency is compared and analyzed.In addition,the DEA projection analysis technique is introduced to study the level of improvement in the efficiency of commercial banks when the efficiency reaches the optimal state.The empirical results show that the XJ commercial banks in Hunan generally exist the phenomenon of redundant investment and insufficient loans.According to the above research conclusions,this paper,based on the actual situation of the XJ commercial bank in Hunan Province,puts forward some suggestions on the operational efficiency of the bank from the bank management level.