Research On Operating Efficiency Of Commercial Bank Based On DEADA Model

In recent years,the downward pressure on China's economy has increased,while the growth rate of GDP has continued to decrease.With the continuous implementation of supply-side reforms,commercial banks have attracted much attention because of their important status in the economic system.The scale of commercial banks is constantly expanding,and total assets and liabilities have continued to increase too.However,due to the impact of the economic downturn,the capital profit rate of commercial banks has shown a downward trend,and non-performing loans have continued to increase.In order to improve their competitiveness,commercial banks need to accurately locate their own operating conditions through efficiency assessment and improve its operating efficiency to cope with increasing operating pressure.In this context,this article studies and analyzes the efficiency of commercial banks and the factors that affect the operating efficiencyThis article uses 16 listed banks as research samples,and obtained the relevant data from 2011 to 2018 through bank annual reports.Four variables including total deposits,fixed assets,interest expenses,and operating expenses are taken as input indicators,and use the three variables of total loans,interest income,and non-interest income as output indicators,and substitute "them into the DEA radial model,Malmquist index model and the DEADA model under strong complementary slackness condition to evaluate and analyze the operating efficiency of commercial banks.Finally,the Tobit regression in the econometric model is used to explore the impact of different factors on operating efficiencyThis article draws the following conclusions:(1)The DEADA model under strong complementary slackness condition has the best evaluation effect and is worthy of promotion.(2)China Construction Bank and Industrial and Commercial Bank performed best in the efficiency evaluation,while The operating efficiency of Bank of Communications and City Commercial Banks need to be further improved.(3)Different banks have different trends in their efficiency changes.(4)Improving profitability,reducing operational risks,rational allocation of resources,and continuous business innovation are conducive to improve operating efficiencyBased on the above conclusions,this article puts forward the following suggestions:(1)Efficiency evaluation should be included in the evaluation index of listed commercial banks,and DEA related models should be vigorously promoted.(2)On the premise of ensuring stable operation,the profit quality of commercial banks will be further improved.(3)Business innovation is the lifeblood of bank development,focusing on improving banks' financial innovation capabilities.