The Research On Operating Efficiency Of Rural Banks In Shandong Province

Driven by the benefit leverage, commercial banks, credit companies and other financialinstitutions have been evacuated from the countryside, rural banks as a new form of ruralfinancial institutions, after seven years of development, have been gradually on the right track,expanding the production scale for local farmers and enterprises, providing financial support,expanding the new financing channels. Based on the actual situation in Shandong Province,Rural Banks have opened five years in Shandong Province, have made tremendouscontributions for the rural financial landscape changes and the county’s economicdevelopment of Shandong Province. Rural Banks not only have the features of providingdeposit and loan business of ordinary commercial banks and providing other types offinancial investment characteristics, but also have the policy tendencies on "support andbenefit agriculture, services small enterprises". Thus, in the development process of ruralbanks in Shandong Province should always pay attention to the premise of ensuring accurateposition, improving services, controlling risk, sustainable management, firmly grasp thefundamental starting point to support agriculture. However, the development of rural banks inShandong Province actual situation, the prevalence of the phenomenon is not high operatingefficiency, which not only limits the rural banks own development, but also the establishmentof largely deviate from the original intention of support and benefit agriculture. In the view ofthe low efficiency of rural banks in Shandong Province, the article use the super-efficiencyDEA model and the DEA model to empirical analysis, with a view of the future developmentof rural banks in Shandong Province, made more relevant and instructive suggestions.In this paper, in reference to the large number of domestic and foreign literature, the ruralbanks not only have the earnings characteristics of commercial banks, but also have theserving for small and medium-sized enterprises characteristics of small and medium banks,and select the basic DEA model using data envelopment analysis and its super-efficiencyDEA Empirical Analysis. On the selected index system, according to the accessibility of ruralbanks operating in the process of self-specificity and sample data, combing the advantages ofintermediate approach and asset approach, choosing the appropriate input and outputindicators. According to the actual situation of the economic development in Shandong Province, eight rural banks are chosen as a representative sample, through the operatingmodel to inspect these data, and sort these banks by these efficiency level, explode andanalyze these efficiency index.The author hopes that the empirical research not only providetargeted and feasible suggestions for operating efficiency and the formulation of policyrecommendations, but also has reference meaning and value of the overall development ofrural banks in Shandong Province plans.