The Research On Efficiency And Its Influencing Factors Of Village Banks Based On Dea

Village Bank is the experiment of the rural financial reforming. Practice proves that the village bank is the most dynamic one of new type of rural financial institutions. Efficiency is the life of an economic organization. For Village Banks, how to base on "three agriculture", promoting efficiency in the competition, exploring a suitable location and advantage of business development are particularly critical. In this background, this article attempts to regard village Banks as the research object, taking efficiency of Z province village Banks as the research samples, the frontier efficiency of commercial Banks for reference survey research method to measure the efficiency of village bank, comparison and evaluation, to explore the development way of village Banks provide beneficial enlightenment.The measures of Bank efficiency mainly contain two types:One type is analysis of financial indicators. The other type is frontier efficiency analysis which in turn can be divided into the parametric estimation method and non-parametric estimation method. The article finally selected data envelopment analysis (DEA) as the measure which based on the comparative analysis of the characteristics and applicability of these methods. To sum up the selection of input and output index of commercial bank efficiency research t, combined with the positioning and characteristics of village Banks, the article try to take the registered capital, labor and savings as input index, and net income, agricultural loans, agricultural loans count numbers as output index.Generally speaking, efficiency measurement results showed that the efficiency of Z province village Banks is totally on a level of higher, but there also exists a big difference between individuals.the vast majority of village Banks are in the stage of scale increasing returns. The efficiency of which initiated by different types of banks also exist differences. From the perspective of the slackness of output, the differences mainly owing to the index of agriculture loan number which means the inadequate coverage in supporting agriculture and the agriculture credit loans tends to pay more attention to the number and ignore the quality. There is a large improving space in terms of supporting agriculture coverage.In the study of the influence factors of village Banks efficiency, this paper expounds two aspects:macro and micro analysis following the empirical test on micro factors. Results show that, the bank scale, asset quality, LDR, service innovation capability and efficiency are significantly related to its efficiency. The village banks established by state-owned property right banks show higher efficiency than non-state banks.Finally on the basis of the study, in combination with the practical situation of village Banks, suggestions of improving efficiency are put forward from two aspects which including self-operating and External supervisions come from government departments.