| In the new normal of the economy and the environment of the post-epidemic era,the competition in the banking industry is becoming increasingly fierce,and the interbanks are showing a strong trend of differentiation.Large state-controlled commercial banks and large joint-stock banks provide support for the long-term and stable development of the national economy,and also squeeze out a large number of market shares;urban commercial banks,rural commercial banks and other local banks use the economic,cultural,geographical and other advantages of their regions to carry out service characteristics and business segmentation management.Because city commercial banks have a strong regionality because they mainly serve the characteristics of the regional economy,the operational efficiency has a significant correlation with the economic development level of the city where they are located.As a joint-stock city commercial bank in the capital of Henan Province,Bank of Zhengzhou Co.,Ltd is facing tremendous pressure for its future development.In order to thoroughly implement General Secretary Xi Jinping’s important exposition on the ecological protection and high-quality development of the Yellow River Basin and the spirit of the important instructions when inspecting and guiding Henan,the Central Plains Economic Zone is conscientiously implementing the Guiding Opinions of the Party Central Committee and the State Council on Promoting the High-quality Development of the Central Region in the New Era.On June 3,2021,the Henan Banking and Insurance Regulatory Bureau issued the Guiding Opinions on Henan Banking and Insurance Industry supporting the high-quality development of Zhengzhou,focusing on the key areas and weak links of Zhengzhou’s economic and social development,fully promoting the improvement of the quality and efficiency of Zhengzhou’s financial services,contributing financial strength to Zhengzhou’s construction of a modern national central city,building a higher level of region,and promoting high-quality development in the central region.Bank of Zhengzhou Co.,Ltd adheres to the integration and symbiosis with local economic development,and the guidance issued by the Henan Banking and Insurance Regulatory Commission has brought great development opportunities to Bank of Zhengzhou Co.,Ltd.In the context of the new normal of the economy and the post-epidemic era,competition in the banking industry has become increasingly fierce,and there is a strong trend of differentiation among banks.Large commercial banks and large joint-stock banks controlled by the state provide support for the long-term and stable development of the national economy,and also occupy a large market share;local banks such as city commercial banks and rural commercial banks also take advantage of the economic,cultural,geographical and other advantages of their regions Carry out characteristic service and business segmentation management.In order to thoroughly implement General Secretary Xi Jinping’s important expositions on ecological protection and high-quality development in the Yellow River Basin and the spirit of the important instructions when inspecting and guiding Henan,the Central Plains Economic Zone is earnestly implementing the CPC Central Committee and the State Council’s "Promotion of High-quality Development in the Central Region in the New Era".instructions".On June 3,2021,the Henan Banking and Insurance Regulatory Bureau issued the "Guiding Opinions on Supporting the High-quality Development of Zhengzhou’s Banking and Insurance Industry",focusing on the key areas and weak links of Zhengzhou’s economic and social development,and making every effort to promote the improvement of Zhengzhou.The quality and efficiency of financial services will contribute financial strength to Zhengzhou’s construction of a modern national central city,a higher-level area,and the promotion of high-quality development in the central region.Because city commercial banks mainly serve the characteristics of the local economy,they have a strong regionality,and the operating efficiency has a significant correlation with the economic development level of the city where they are located.As a joint-stock city commercial bank in the capital of Henan Province,Bank of Zhengzhou Co.,Ltd faces enormous pressure for future development.Bank of Zhengzhou Co.,Ltd insists on coexisting with local economic development,and the guidance issued by the Henan Banking and Insurance Regulatory Commission has brought huge development opportunities to Bank of Zhengzhou Co.,Ltd.Combining with the relevant theories,this thesis firstly analyzes the current situation of Bank of Zhengzhou Co.,Ltd’s operation in detail.Then,a total of 16 city commercial banks were selected from the eastern,central and western regions of my country as the comparison banks of Bank of Zhengzhou Co.,Ltd.First,the DEA-BCC model was used to analyze the operating efficiency of Bank of Zhengzhou Co.,Ltd and the comparison banks from 2013 to 2020 in terms of profitability,risk management ability,The four aspects of service capability and development capability are statically analyzed;then the DEA-Malmquist index method is used to conduct a dynamic analysis of operational efficiency,and the change in operational efficiency of Bank of Zhengzhou Co.,Ltd is evaluated through the total factor productivity change index and its decomposition.In order to explore the factors that affect the operating efficiency of Bank of Zhengzhou Co.,Ltd,this thesis takes the operating efficiency measured by the DEA model as the explanatory variable of the Tobit regression model,and empirically analyzes the factors affecting the operating efficiency of Bank of Zhengzhou Co.,Ltd from macro,medium and micro.The following conclusions are drawn through the research: First,in terms of business status,Bank of Zhengzhou actively promotes the transition from high-speed development to high-quality development.Second,through the dynamic and static analysis of operating efficiency,it is concluded that compared with other comparison banks,Bank of Zhengzhou Co.,Ltd performs better in other aspects except service capabilities;the growth rate of total factor productivity is relatively backward compared with other comparison banks,and especially in terms of growth and development capabilities..Third,through the analysis of the influencing factors of Bank of Zhengzhou Co.,Ltd’s operating efficiency through Tobit regression model,it is concluded that: total assets,capital adequacy ratio and Bank of Zhengzhou Co.,Ltd’s operating efficiency are positively correlated;statutory deposit reserve ratio,loan-to-deposit ratio,non-interest income ratio and The non-performing loan ratio is negatively correlated with the operating efficiency of Bank of Zhengzhou Co.,Ltd,while the GDP growth rate and the proportion of employees with a bachelor’s degree or above have no significant correlation as a whole.Finally,according to the above conclusions,corresponding countermeasures and suggestions are put forward for Bank of Zhengzhou Co.,Ltd: moderately expand the asset scale;increase the management of loan assets,strengthen risk control;optimize asset allocation,improve risk resistance;enhance innovation ability,and seek characteristic development. |
PDF Full Text Request