Research On Operational Efficiency Of Rural Commercial Banks Based On DEA

Now, China is the largest developing country in the word. China has the world’s largest population, of which more than half of the population lives in rural areas. Solve the rural areas, agriculture and farmers, for the stability and prosperity of our economy it has important significance. In recent years, with the full liberalization of China’s financial market, the government began to reform the rural financial system, the introduction of relevant policies to support rural finance, so the rural financial market has become increasingly active, the relevant state-owned banks and joint-stock banks will again return Countryside, which makes the rural financial market more competitive.The main force of serving rural areas- rural commercial banks, how to meet in a state of reform of their own interests, to maximize profits, develop and grow their own, can a firm footing on the future of rural financial market, rural commercial banks need to think and explore things. While the current rural commercial banks are growing rapidly, but because in the initial stages of restructuring, culture, information disclosure mechanism and structure of banks are in a state of adjustment, it will hinder academic research, and therefore does not currently have a large number of scholars on commercial banks the efficiency of research. Research on operational efficiency of rural commercial banks, regulatory authorities can enhance the level of efficiency of the bank’s judgment, and can complement the theory and methods of efficiency studies abroad; so that you can encourage investors to investment bank policy makers have a more in-depth understood correctly guide the flow of social capital; also help between various banks the right to judge the efficiency gap between each other, to optimize the allocation of resources, so that China’s commercial banks effective development.The rural commercial bank efficiency refers to the ability to put the cost into the actual output, this ability is the evaluation of the rural commercial bank is not in good operating conditions, important index. This paper first analyzes the related theory research background and significance as well as the rural commercial bank; sample data by 32 rural commercial banks ranked 2009-2014 interval, the model constructed by DEA method, the unified definition of index system; then using DEA to sample the rural commercial bank operating efficiency for empirical analysis of Eviews software and on the basis of empirical analysis on the impact factors of the efficiency of rural commercial banks use; finally according to the empirical analysis results and puts forward relevant policy suggestions, hope that through this way of rural commercial bank efficiency to make a more comprehensive and objective evaluation and make contribution to the improvement of China’s rural commercial bank operation efficiency.