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The Empirical Analysis on the X-Efficiency of Chinese Commercial Banks

Xu Chuanchen and Qi Shutian(Jilin University)  
In this paper, the cost and profit efficiency level and their evolution of 14 Chinese commercial banks from 1996 to 2003 are investigated. Empirical results indicate that ownership reform has took some significant effect, and the retrieval and adjusting of government also make notable gains in cost efficiency; However, the authors find the profit efficiency scores are well below cost efficiency levels. That means Chinese commercial banks seem to deal much better on the cost than on the profit side as their expertise in generating profits is not as developed as their ability to supply their services in a costsaving way. Our paper provides evidence for a important result that, when the opening time of WTO is coming, how to enhance the profit efficiency of commercial banking sector is becoming the main task of Chinese financial reforming.
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