Study On The Management Efficiency Of China Rural Commercial Bank Based On DEA Cross Evaluation

With the development of the integration of urban and rural, with the continuouschange of the content of ‘supporting agriculture’, Rural credit cooperatives has torestructure, changing the ownership structure, improving the operation and managementmode, which is the realistic choice and development trend of rural credit cooperatives.Great changes of rural commercial bank have taken place after the reorganization notonly in the external regulatory environment, but in the internal management model,which is mainly target on Safety, liquidity and profitability. If we want to ensure Safety,liquidity and profitability under the fixed resource, we must to rethink how to make theefficiency maximization.This paper selects11representative of the rural commercial bank. Firstly,1compare the efficiency of the11rural commercial bank from two dimensions oftransverse and longitudinal. Then we Study all the possible influencing factors so thatwe can know the influence direction and degree by using the multivariate regressionanalysis. We draw the following conclusions: Firstly, rural commercial bankmanagement efficiency is significantly positively related to the third industry proportionand the structure of degree; Secondly, China rural commercial bank managementefficiency is significantly negatively related to the proportion of corporate shares andcapital adequacy ratio; Thirdly, There was a positive correlation between employeeshare holding, per capita GDP, the ten largest shareholding ratio with the ruralcommercial bank efficiency, and negatively correlation between the number ofemployees, provision for bad loans rate, asset scale, business innovation with efficiency.At the last, we put forward some suggestions from the directions of industrial structure,ownership structure, the quality of personnel, risk management, internal process and soon.In this paper, we mainly have two points of innovation: Firstly, we considerprofitability, liquidity and safety in the efficiency of the study of rural commercial bankmanagement; Secondly, we change the cross efficiency evaluation of different dimension values into comparable data using of mathematical transformation in theregression analysis.