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1、-哈尔滨工业大学经济学硕士学位论文AbstractTheefficiencyofcommercialbanksreflectsthebanks'businessperformance
andcompetitivenessandthelevelofacountry'sfinancialsectordevelopment,
playinganimportantroleofacountry'seconomicdevelopment.Therefore,many
scholarshaveintensivelystudiedtheefficiencyofcommercialbanks,tow
2、hichbank
managersalsoattachedgreatimportance.China'scommercialbankshaveachieved
someachievement,butcomparedwithforeignexcellentbanks,someproblemsstill
exist.TheseproblemsleadtotheinefficiencyofChina'scommercialbanks.
EspeciallyafterjoiningWTO,foreigncommercialbankshaveenteredChinaand
haveincre
3、asedthecompetitionofbankingsector.Therefore,itismeaningfulto
increasetheefficiencyofcommercialbanksinChina.Aftercombiningdomesticandinternationalrelatedliteratureandelaborating
sometheoreticalknowledgeabouttheefficiencyofcommercialbanks,thispaper
selectedthe14representativecommercialbanks’data
4、inChinafrom2001to2010,
thenemployedthedataenvelopmentanalysis(DEA)toevaluatetheirtechnical
efficiency,puretechnicalefficiency,scaleefficiencyandanalyzetechnical
efficiencyandscaleefficiency.TheempiricalresultsoftheDEAmodelshowedthat
thepuretechnicalefficiencyofthestate-ownedbankswashigherthant
5、hatofthe
joint-stockcommercialbanks,whilethetechnicalefficiencyandscaleefficiencyof
thejoint-stockcommercialbankswerehigherthanthatofthestate-owned
commercialbanks.Theinternaljoint-stockbanksperformancewereuneven,suchas
ChinaMinshengBank,ShanghaiPudongDevelopmentBankperformedbetter,
whileGuang
6、dongDevelopmentBankandBankofCommunicationsperformed
worse.AftermeasuringtheefficiencyofcommercialbanksinChina,thepaper
furthermeasuredthefactorsinfluencingtheefficiencyofcommercialbanksbya
hierarchicallinearmodelwhichwasanovelapproachinrecentyears.Thepaper
usedthethreekindsofefficienciesasthed
7、ependentvariables,andselectedassets
ratio,non-performingloanrate,loantodepositratio,therateofassetcosts,
ownershipstructure,intermediarybusinessrevenueratioandreturnonassetsrateas
independentvariables.Thenthepaperusedthehierarchicalline