Supply Efficiency And The Influence Factors Analysis On The Commercial Bank

Supply efficiency is the core point of economic research and plays an important role in the development of commercial Banks.Xi general secretary in November 2015 in 11 of the finance team meeting for the first time put forward the reform of the structure of the supply side,put forward for the first time in the structural reform of the supply side will fully "improve the efficiency of financial services entity economy development",this means that the financial industry,for a period of time in the future will be based on the real economy development orientation,robust management goal of the financial industry,tried to find out the key areas and core link,the financial industry to build a new service mode,provide a powerful motivation for the development of financial industry,to some extent this will also improve the efficiency of commercial Banks,and enhance the core competition of the bank,And realize the inevitable choice of international commercial Banks,therefore,in the fierce market environment,factors influencing the supply efficiency of commercial bank is to become one of the important ways to improve the competitiveness of commercial Banks.In view of this,based on the commercial Banks in zhejiang province as the research object,through the different areas in zhejiang province dozens of commercial Banks from 2014 to 2016,three years of relevant data on quantitative analysis,empirical supply efficiency and the influence factors of commercial Banks in zhejiang province.Paper,first of all,through various channels to search related literature material,further to understand of the supply of commercial bank efficiency theory,put forward this topic research methods and innovation points,for the research of the paper lay a theoretical foundation;The author by using data envelopment analysis(DEA)model,the supply of selection with linear output factors,using SPSS software to analyze the data of commercial Banks in zhejiang province,the supply efficiency of commercial Banks transverse value analysis:the area of zhejiang province in the north of commercial Banks better than on the overall development,the area austral short for zhejiang province and the overall efficiency is higher than that of the area austral short for zhejiang province,north of the north region the difference between the commercial Banks than obvious area austral short for zhejiang province;From the perspective of pure technical efficiency,the pure technical efficiency of commercial Banks in zhejiang province is relatively high,but some commercial Banks still have low pure technical efficiency.In terms of scale efficiency,it is obvious that most commercial Banks in southern zhejiang province are increasing in scale.From the perspective of vertical analysis,the efficiency value of commercial Banks in zhejiang province in 2014 and 2016 showed an upward trend.From the perspective of pure technical efficiency,the pure technical efficiency of commercial Banks in zhejiang province,as well as the pure technical efficiency of southern zhejiang region,shows a significant downward trend.From the perspective of scale efficiency,the scale efficiency of zhejiang commercial Banks in 2014 and 2016 shows a trend of fluctuation.After that,the main factors affecting the supply efficiency of commercial Banks in zhejiang province were studied by using Tobit analysis,and the relationship between the influencing factors and the commercial Banks in zhejiang province was obtained,and have the commonality in the country.The research of this paper is of great significance for the development of commercial Banks in zhejiang province and the whole country.