Current location - Education and Training Encyclopedia - Graduation thesis - Who knows the difference between profit efficiency and cost efficiency of banks?
Who knows the difference between profit efficiency and cost efficiency of banks?
Based on the data envelopment analysis (DEA) and the investigation on the operating efficiency of four listed commercial banks in China from 20065438+0 to 2008, it is found that the profit efficiency (between 54% and 69%) of commercial banks is significantly lower than the cost efficiency (between 73% and 89%). Loan-to-deposit ratio, non-performing loan ratio, profitability and market concentration are important factors affecting the operational efficiency of banks. To effectively improve the operating efficiency of listed commercial banks in China, we must improve the cost efficiency and profit efficiency of commercial banks.