| Under globalization and liberalization of the international financial environment,the operation situation of commercial banks has drown more and more attentions,which are the most important part of financial system.And the efficiency of banks is properly the index representing concentrated reflection of their operation as well as the ensure of banks' healthy development.Since 2013,online finance such as Yu Ebao,Jingdong Finance,the crowd funding,Shared bicycle and so on has developed rapidly.And deleveraging of our financial has carried out since 2016.Those two issues must have some influence on the traditional banks.For instance,the rate of banks' profit and the increase of efficiency of banks would be affected and going slower.So that it's essential to estimate the efficiency of bank.Estimation will help researchers to know the difference among different kinds of bank,which provides scientific practical basis for raising banks efficiency of our country.It is also an essential approach to secure the overall development of Chinese financial market and the steady of economic environment.It is also the inevitable choose of promoting financial globalization and modernization.Thus,the study of China's commercial banks efficiency and their affecting factors has the vital practical significance.On the basis of consulting existing research,this paper choose data envelopment analysis method to estimate Joint-stock and City Commercial Banks' technological efficiency in China.Firstly,the researcher applies bootstrap method to check effect of return to scale.Then,according to the result,we choose proper DEA model to estimate efficiency of banks.For the reliability of estimations,the research uses bootstrap method again to correct the error.The empirical analysis find that:(1)Before the correction,the overall efficiency of China's banks is relatively high of 0.892.And the efficiency value of joint-stock banks is 0.964,which is higher than that of city banks.(2)After the correction,the efficiency of China's banks remains at high level,which arrives at 0.822.It reflects that the situation of China's banks is pretty good.And the management of resources is reasonable.The development of China's industry of banks is on the health developing track.Meanwhile,the efficiency of joint-stock bank is still higher than that of city banks.But the gap of those two is gradually decreasing.The future of City banks is still stunning.(3)Assuming the technological efficiency of joint-stock is higher than that of city banks,the result of statistic test shows that the assumption is obviously founded in significance level of 5%.In the end,the paper will present some relevant suggestions on policy side,especially for City Commercial Banks and Joint-stock Commercial Banks in order to expect the raising the efficiency gradually in further development. |
