The Influencing Factors Of Loan Efficiency Of Hebei City Commercial Bank

Urban credit cooperatives have gradually transformed into urban commercial banks since the 1990 s.Although they have experienced many different degrees of reform,the environment in which urban commercial banks are located has become more and more embarrassing in recent years.The first five state-owned commercial banks and large-scale joint-stock banks have been blocked,followed by agricultural commercial banks,Internet banks and foreign banks.Therefore,urban commercial banks must play their active role from their own point of view Perfect the operation.Because of its own regional characteristics and limited asset level,its business mainly focuses on deposit and loan,so the loan efficiency of city commercial banks largely determines its operating efficiency,development level and development potential.This paper will study the loan efficiency of Hebei city commercial bank from 2013 to 2018,and analyze its influencing factors,and put forward corresponding operational suggestions to improve the overall operation level of Hebei city commercial bank.Firstly,this paper introduces the characteristics of the development of urban commercial banks,such as the small scale of total assets,the regional limitation of development ability,the fuzzy market positioning,the serious homogenization of business,the single intermediate business,and the inadequate internal and external reform.In addition to the above characteristics,Hebei city commercial bank also shows its own characteristics in recent years,such as poor liquidity,high credit risk level,poor efficiency and high capital adequacy ratio.Secondly,this paper uses the data envelopment method(BCC model in DEA)and M index analysis method to analyze the change of loan efficiency and total factor efficiency of Hebei city commercial bank in 2013-2018.The conclusion shows that: the technical efficiency level of Hebei city commercial bank is not much different,but there is a certain distance from the best level,and most of its scale return level is in the best or increasing level,but the technical progress is Obviously not high,which shows that Hebei city commercial bank still needs to adjust its resource allocation level,and the development potential of Hebei city commercial bank is full.Finally,based on the level of technical efficiency,this paper uses Tobit regression model to analyze the influencing factors.The results show that in addition to Hebei GDP growth promoting the loan efficiency of Hebei city commercial bank,Hebei city commercial bank should also increase the total asset size,reduce the non-performing loan rate,improve the return on net assets,and improve the core capital turnover rate to improve the loan efficiency Improve its loan efficiency.In the third,fourth and fifth chapters,the paper analyzes the overall situation,loan efficiency level and influencing factors of Hebei city commercial bank.The relevant departments of Hebei Province should improve the overall industrial structure,improve the GDP of Hebei Province,strengthen the corresponding supervision of the financial industry.Hebei city commercial bank should strengthen the ability of product and service innovation,actively define the responsibilities given by the market,reserve talents,and reasonably adjust capital In order to enhance its loan ability and improve its development level,we should start with the production scale and reduce the loan risk.