This article estimates the efficiency of state-owned and local as well as joint-stock commercial banks with 25 samples by using DEA method, makes statistically empirical analysis on several factors affecting ~bank's efficiency. The result shows that there is no evident difference in the efficiency among state-owned banks, joint-stock banks and urban commercial banks. However, centralized ownership structure and corporate governance mechanism are the key factors affecting the efficiency of commercial banks in China. With the centralization of the ownership structure, the ~bank's efficiency has a trend of reversed U. In addition; it is also found that the expansion of bank size helps to enhance its efficiency.
Journal of Financial Research
commercial Banks, efficiency, DEA, corporate governance.