| Shandong province is a populous province in China,and its economic situation has been growing steadily in recent years.It has a good development trend in optimizing industrial structure and improving quality and efficiency.With the development of economy,commercial firms in shandong province have made great progress in recent years.City commercial Banks are transformed on the basis of city credit cooperatives,aiming to serve local economy.In recent years,city commercial Banks have made great progress in continuous exploration and research,and become a powerful economic force after state-owned Banks and joint-stock Banks.Urban commercial Banks,based in cities,are bound to be affected by regionalization.The commercial Banks in shandong city have a good development momentum on the whole and a large space for horizontal and vertical development.The commercial Banks in shandong city have also made their own efforts to develop traditional businesses and actively innovate new financial businesses,achieving remarkable results.However,there are still some problems in the development of commercial Banks in shandong province.Compared with the development level of the real economy in shandong province,the financial vitality of shandong province is obviously not strong,and its aftereffect is insufficient,which greatly restricts the healthy development of shandong’s economy.Urban commercial Banks have gradually grown into an important force that cannot be underestimated in China’s banking industry by virtue of their incomparable property right flexibility,organizational efficiency and their own characteristics based on their own reality.Especially for the investment and financing of small and medium-sized enterprises and the development of regional local economy,urban commercial Banks are more targeted than large state-owned Banks,which is of great significance to their development.This research will be based on the perspective of the shandong provincial capital business operational efficiency,according to the characteristics of geography in China as well as the availability and completeness of the data,select 32 city commercial bank efficiency analysis data from 2013 to 2017,including 11 city commercial Banks in shandong province and jiangsu province,Beijing,Shanghai,hunan,guizhou,zhejiang,henan,hebei,liaoning,sichuan province and chongqing city a total of 21 businesses.Firstly,financial analysis is carried out on 32 urban commercial Banks to observe the operation status of each commercial bank through the financial index value.Secondly,DEA multi-stage model and Malmquist index were used to comprehensively analyze the operating efficiency of commercial Banks,and the efficiency differences of commercial Banks in different regions were compared.Finally,the Tobit regression model is used to analyze the factors affecting the low efficiency of urban commercial Banks.This paper finds out the reasons for the low efficiency of commercial Banks in shandong province and puts forward some reasonable Suggestions to improve the efficiency of commercial Banks in shandong province.Based on the model analysis,The city commercial Banks in shandong province are in good operation condition,but there is still a gap between them and the city commercial Banks with high development efficiency.Through regression analysis,it can be seen that the bank’s asset size,loan-to-deposit ratio,employee compensation payable,non-performing loan ratio and earnings per share have a significant impact on the bank’s operating efficiency. |
