In general, based on the traditional operation and management model, innovation means reforming the activities of financial institutions, financial instruments, technology of financial services as well as organization...In general, based on the traditional operation and management model, innovation means reforming the activities of financial institutions, financial instruments, technology of financial services as well as organizational forms of financial markets, because promoting the overall development of the financial industry is the fundamental purpose of financial innovation, we should optimize the allocation of the existing resources of the financial institutions and improve financial efficiency, thus gradually promote the market competitiveness of financial institutions.展开更多
Today cooperative banks belong to the most significant financial institution in the world. Moreover, they can compete with commercial banks. The own funds of the cooperative bank are important in their activity. The m...Today cooperative banks belong to the most significant financial institution in the world. Moreover, they can compete with commercial banks. The own funds of the cooperative bank are important in their activity. The main goal of this paper is to investigate how much the level of the own funds of the Polish cooperative banks influenced their efficiency. The research pertained to operating cooperative banks in Poland. The following measures of the efficiency were used in the research： return on Equity （ROE）, net profit, index C/I, and financial margin. The results of the study indicate that banks from the Quartile III （highest aggregate own funds）, had the highest net profits, the highest ROE, the lowest C/I value, the lowest ROE, and the lowest financial markups. On this basis, it remains to be recommended that banks of highest aggregate own funds continue expansion of own funds which will increase lending capacity and subsequently contribute to higher effectiveness.展开更多
For commercial bank branch, improving efficiency is very important for enhancement of overall efficiency and appraising efficiency is also an urgent problem to resolve. The paper compared the efficiency of recombining...For commercial bank branch, improving efficiency is very important for enhancement of overall efficiency and appraising efficiency is also an urgent problem to resolve. The paper compared the efficiency of recombining branch with the efficiency of no recombining branch of 23 commercial banks by using the approach of output-max CCR model of Data Envelopment Analysis （DEA）. According to the empirical results of the study, we can make some conclusions. Firstly, bank branch recombination is based on the comprehensive raising of human sources, pecuniary resources and material resources, and can be inefficient under the immature condition. Secondly, the efficiency of commercial banks can be improved enormously because their inner management and resource allocation in recombining are wasted largely. Thirdly, nowadays, commercial banks should emphasize on recomposing resources, mending technical ＆ managerial innovation and improving management level generally.展开更多
文摘In general, based on the traditional operation and management model, innovation means reforming the activities of financial institutions, financial instruments, technology of financial services as well as organizational forms of financial markets, because promoting the overall development of the financial industry is the fundamental purpose of financial innovation, we should optimize the allocation of the existing resources of the financial institutions and improve financial efficiency, thus gradually promote the market competitiveness of financial institutions.
文摘Today cooperative banks belong to the most significant financial institution in the world. Moreover, they can compete with commercial banks. The own funds of the cooperative bank are important in their activity. The main goal of this paper is to investigate how much the level of the own funds of the Polish cooperative banks influenced their efficiency. The research pertained to operating cooperative banks in Poland. The following measures of the efficiency were used in the research： return on Equity （ROE）, net profit, index C/I, and financial margin. The results of the study indicate that banks from the Quartile III （highest aggregate own funds）, had the highest net profits, the highest ROE, the lowest C/I value, the lowest ROE, and the lowest financial markups. On this basis, it remains to be recommended that banks of highest aggregate own funds continue expansion of own funds which will increase lending capacity and subsequently contribute to higher effectiveness.
文摘For commercial bank branch, improving efficiency is very important for enhancement of overall efficiency and appraising efficiency is also an urgent problem to resolve. The paper compared the efficiency of recombining branch with the efficiency of no recombining branch of 23 commercial banks by using the approach of output-max CCR model of Data Envelopment Analysis （DEA）. According to the empirical results of the study, we can make some conclusions. Firstly, bank branch recombination is based on the comprehensive raising of human sources, pecuniary resources and material resources, and can be inefficient under the immature condition. Secondly, the efficiency of commercial banks can be improved enormously because their inner management and resource allocation in recombining are wasted largely. Thirdly, nowadays, commercial banks should emphasize on recomposing resources, mending technical ＆ managerial innovation and improving management level generally.
