Study On Operational Efficiency And Influencing Factors Of Rural Commercial Banks Based On DEA Model

A country's agricultural production and rural economic development need to build a complete rural financial system,and vigorously develop rural commercial Banks to better serve the public is the priority.In recent years,the country continues to deepen the rural financial reform.Rural commercial Banks should seize the opportunity and adapt to The Times to seek their own development,and should improve their operating efficiency to provide more and better financial services.In addition,since 2011,rural credit cooperatives are gradually transformed into rural commercial Banks,so it is urgent to evaluate the current status of rural commercial bank reform by measuring the efficiency and influencing factors of rural commercial Banks.By studying the operation efficiency of rural commercial Banks,rural commercial Banks can judge the risks they face in the operation process,improve their market competitiveness and promote sustainable development.In addition,through the research of this paper,let the current rural commercial Banks understand their own problems,and provide effective policy Suggestions to our rural commercial Banks to improve the efficiency of rural commercial Banks,so that China's rural commercial Banks can continue to develop healthily.By sorting out and summarizing the literature related to the operation efficiency of Banks,this paper takes the rural commercial Banks in the country as an example to study the efficiency and influencing factors of the operation of rural commercial Banks.The paper also expounds the current situation and problems of rural commercial Banks in recent years.In addition,with the DEA model,we take total deposits,total assets and the number of employees as input indicators,and total loans and net profits as output indicators.40 rural commercial Banks were selected from nationwide as samples to collect the statistical data of sample rural commercial Banks from 2010 to 2018,and the comprehensive efficiency,pure technical efficiency and scale efficiency of sample rural commercial Banks were measured by DEA model.Then,with the help of Tobit regression model,the empirical test is carried out to analyze the factors affecting the operation efficiency of rural commercial Banks.The empirical results show that the non-performing loan ratio has a significant negative impact on the operating efficiency of rural commercial Banks.However,the capital adequacy ratio did not pass the 95% confidence interval test,and we believe that the capital adequacy ratio has no obvious effect on the efficiency of rural commercial Banks.The proportion of non-interest income,deposit and loan ratio,total assets and the proportion of employees with bachelor degree or above have obvious positive correlation with the operating efficiency of rural commercial Banks.According to the results of empirical analysis of regression model,some reasonable policy Suggestions are put forward for the explanatory variables that have significant influence,so as to enhance the core competitiveness of rural commercial Banks,so as to ensure the sustainable and healthy development of rural commercial Banks in China.For example,the introduction of advanced scientific and technical personnel;Establish a sound risk supervision system;Improving Internet finance;Increase non-interest income and so on.