Research On The Factors And Countermeasures Of Influencing The Operating Efficiency Of A Rural Commercial Bank In Wuxi

The purpose of the reform is to improve the efficiency,and the efficiency means to achieve organizational goals faster and better with existing resoures. The rural financial system reform has been implemented for many years.What about the efficiency of rural commercial bank now?Did the reform improve the advantages for gaining the goal of maximizing the profit maximization?What factors affect the effiency of rural commercial bank,which is to find out the main factors that affect its capacity to gain its target?The paper takes a rural commercial bank in Wuxi as the research object, selects the panel data of diverted and its branch in a period of time, based on the existing research data construct index system. Then the BCC and DEA model estimates the efficiency. Finally,using the model analysis of the factors affecting the efficiency of commercial banks. The results show that the overall efficiency of the bank is better, but there are some negative phenomena. And the invalid number of branches is due to the efficiency of pure technology and scale efficiency. If the output of the same proportion is appropriate to reduce the efficiency of the bank is still in the forefront of efficiency. In addition, the effect of the branch class is also obvious, and the technical efficiency of the 14 sub branches is generally in the efficiency of the frontier. The rest of the branch are mostly technical inefficiency, and mostly shows increasing returns to scale. Therefore, we can take measures to the bank branches as the case. With the ratio of the total amount of the loan to the total amount of the loan, the amount of the loan and the ratio of total assets, the ratio of net profit and total assets can have a positive effect on the efficiency of the institution. Therefore, in order to improve their efficiency, banks need to pay attention to these indicators. But in this paper,the DEA measure efficiency is ignored, so the accuracy of the final score is to be improved.Based on the above research, this article from the management concept of change,management level, etc., in order to study the object of the business efficiency of theproposed comments. In addition, this paper is to verify the efficiency of a rural commercial bank in Wuxi to improve the efficiency of the more useful, to take the analysis of other banks also have reference value.