Paper Title
An Application of the Dynamic Network DEA Model: A Study of Commercial Bank’s Asset Quality, Deposits and Loan Efficiency

Abstract
Under a fiercely competitive and rapidly changing financial environment, in order to make a profit, banks may less attention on the risk control and credit risks. Financial Supervisory Commission avoid the occurrence of financial malpractices, leading to increasingly serious bad debts, which in turn affects the overall social and economic environment. Therefore, while the financial institutions to maximize profits, the asset quality should also be taken into consideration. In this study, using the dynamic network data envelopment method, in addition to the deposits and loan efficiency of domestic banks from 2008 to 2018, special items such as NPL, allowance for possible losses, and bad debt are added to the model. In this way, this study hopes to more accurately measure the bank's operating performance. This study contributes to the literature by incorporating the assets quality into the analysis of performance measurement of the banking industry by using the Dynamic Network DEA model. This study not only measures the overall efficiency of the banks and the efficiency of each production stage, but also evaluates the dynamic changes of efficiencies across time. Therefore, it provides managers to identify the benchmark bank and suggest appropriate improvement activities. The banks will be able to create higher value and competitiveness. Keywords - Bank, Efficiency, Dynamic Network DEA, Assets Quality, NPL, Allowance for Bad Debts, Bad Debts