Empirical Study On Efficiency Of Joint-stock Commercial Banks In China

With the increasing competitiveness of the banking industry,improving the efficiency and enhancing the competitiveness is the key and prerequisite to promote the development of the industry.Therefore,when evaluating bank efficiency,we should adopt scientific means and objective angle to analyze bank profitability quantitatively and qualitatively.As one of the commercial Banks,the national joint-stock commercial Banks have achieved leapfrog development in a short time and become an indispensable force in China's financial field.This paper measures the comprehensive technical efficiency,pure technical efficiency and scale efficiency of 12 national joint-stock commercial banks from 2010 to 2016 through the improved DEA-Windows analysis method.That is,according to the steps of first calculating,adjusting input and calculating again,to find the factors that affect the efficiency,and to explore the effective means of improving efficiency.The empirical results show that:(1)in the 2010-2016 years,the comprehensive technical efficiency of joint-stock commercial banks showed a downward trend.(2)the reasons affecting the decline of comprehensive technical efficiency are both pure technical efficiency and scale efficiency,but mainly concentrate on the latter.(3)through the comparison of different window widths,it proves that ideal window widths can more objectively show the general trend of a certain stage;(4)the market share,non-performing loan ratio,number of branches and the proportion of non-interest income affect the difference of input.Among them,the influence of non-performing loan ratio on the relaxation variable of input is the most obvious.(5)the efficiency of measurement in the first stage is generally high,which is easy to create the illusion of reasonable utilization of resources.Therefore,it is necessary to use three-stage analysis.Finally,in view of the impact of environmental factors and inputs on the output,some policy recommendations are put forward.(1)efforts to promote the transformation and upgrading of traditional business;(2)light capital operation,with connotative supplement;(3)to plan human resources and enhance the power of management;(4)improve allocation efficiency and strictly control credit risks.