The Study On The Influence Of Commercial Bank Leverage Ratio On The Efficiency Of Commercial Banks In China

It has been more than ten years since the outbreak of the financial crisis in 2008,and its influence has been covering the world.After the financial crisis,Basel III re-integrated the leverage ratio into the regulatory system.By the 2015 Central Economic Work Conference,President Xi Jinping's economic work direction of “three,one,one,one reduction” suggested that the leverage ratio was The tremendous impact of the world economy is gradually being valued by people.The introduction of leverage ratio as a supplementary supervision has effectively improved the risk prevention capability.Banks,as a key component of marketconnected financial communications,rely on huge asset scales to affect market equilibrium.In this paper,by combing a large number of references at home and abroad and querying through data,the current analysis methods for commercial banks' efficiency levels at home and abroad are studied,and the current leverage ratio and efficiency levels of VARious banks in China are summarized.Based on the business principal of commercial banks,we explore the impact mechanism of leverage ratio on the efficiency of China's commercial banks;combined with the current mainstream research methods at home and abroad,we selected relevant data of 33 commercial banks in China from 2008 to 2018 and passed the three-stage DEA The model calculates the efficiency level of China's commercial banks,and then analyzes the effect and direction of the leverage ratio of China's commercial banks on the efficiency of commercial banks through the panel VAR model.The results of the study show that the state-owned holding banks have the highest efficiency level,followed by joint-stock banks and city commercial banks.The overall efficiency level of VARious banks is increasing year by year.The leverage ratio of VARious commercial banks in China has a certain inhibitory effect on their efficiency in the short term.The long-term impact tends to be stable;in this regard,China's commercial banks should explore ways to improve profitability in the process of moderate expansion,establish a comprehensive risk response mechanism,and develop different levels of regulatory requirements for different types of commercial banks to find suitable Business models and regulatory standards developed by commercial banks.