Research On The Efficiency And Congestion Of Listed Commercial Banks In China

The efficiency of an enterprise has always been a hot issue of economics and management.In recent years,with the continuous accumulation of resources,the congestion has also caused widespread concern in the academic community.With the transformation of China's economic growth model and the advancement of structural transformation and upgrading,the financial system reform process has been deepened.Moreover,with the realization of China's interest rate market,financial format advent of the Internet,the operating environment of the domestic bank has changed dramatically.The traditional business model,which relies only on capital consumption and scale expansion,is difficult to sustain.Commercial banks need to assess the situation and accelerate the strategic transformation.The operating efficiency is a comprehensive manifestation of commercial bank' management efficiency,resource allocation capability and market competitiveness.Comprehensive,accurate,and scientific assessment of commercial banks' operating performance and measuring their congestion effect will improve their operating efficiency and help optimize the allocation of financial resources,and then help them achieve strategic transformation and sustainable development.This article first reviews related literature on commercial banks' efficiency and congestion,and analyzes concepts such as production frontiers,DEA basic theory,and congestion effects.Then,DEA models for efficiency evaluation and congestion measurement with both desirable and undesirable outputs are constructed,then using these models to conduct empirical analysis of Chi na's 17 listed commercial banks.On the one hand,a comprehensive analysis was conducted based on the data of China's 17 listed commercial banks from 2011 to 2016.The main conclusions are as follows: From a static point of view,the operating efficiency of most of the 17 listed commercial banks in China has reached a high level,and commercial banks should actively develop new profit models.Judging from the efficiency decomposition,it's difficult to achieve rapid improvement of efficiency by changing the scale and upgrading commercial banks' management technology is an effective way to further improve their level of resource allocation.From a dynamic perspective,the overall operating efficiency of 17 listed commercial banks in China has been slight declining state during 2011-2016.To continue to improve commercial banks? efficiency,new profit models need to be demanded,and it is necessary to guard against the rise of non-performing loan ratios.On the other hand,further study on the congestion of listed commercial banks.Based on the One-model approach,a model is proposed to measure congestion in the presence of desirable and undesirable output simultaneously.It can not only identify the congestion,but also determines its amount.Then,an empirical example about 17 listed commercial banks of China is used to illustrate the approach.The calculation results show that congestion is a widespread economic phenomenon for commercial banks,even if banks with high levels of efficiency may still have congestion.