| As an important financial institution in rural areas,rural commercial banks greatly alleviate the lack of financial resources in rural areas,and promote the development of C hinese rural economy.However,on the whole,rural commercial banks business performance is not optimistic,which not only hindered the rural commercial bank’s business development,further weakened the role of rural economy in the rural commercial bank.In May 2016,all 62 rural credit cooperatives in Jiangsu province were restructured into rural commercial banks,which marked the completion of the reform of rural credit cooperatives in Jiangsu province.As the Jiangsu region is the first pilot area of C hina’s rural credit cooperatives reform,but also the establishment of the earliest agricultural firms.this paper is based on the above points,with 12 rural commercial banks in Jiangsu Province during 2010--2015 business development as an example,discusses the operating performance of C hina’s rural commercial banks after the reform,and on the basis of analysis the internal factors,and puts forward relevant countermeasures and suggestions for the sustainable development.Based on the relevant research at home and abroad,using data envelopment analysis method to calculate the sample of rural commercial banks operating performance,then according to the calculation results,analysis of the performance change after the restructuring of rural commercial banks,rural commercial banks after the restructuring of the final evaluation results.Based on this,the general analysis on the operating performance of commercial bank internal factors,and the technical efficiency of agricultural firms to estimate the value of the DEA-CRS model as the explanatory variable,with bank size,capital adeq uacy ratio,equity concentration,the number of executives,loan deposit ratio,innovation ability,managerial ownership,the quality of the staff,employee stock ownership,agricultural loan ratio 10 indicators as explanatory variables.The fixed effect model is used to analyze the internal factors of rural commercial banks,and the degree of each factor’s influence on business performance is obtained,the regression results were analyzed.The conclusions of this paper are as follows:(1)The selection of 12 agricultural firms in Jiangsu Province,Both Jiangyin rural commercial banks and Haian rural commercial banks to achieve six consecutive years of technical efficiency,the overall performance of the agricultural business has been greatly improved,b ut the overall improvement of operating performance is mainly driven by the scale efficiency.In addition,through the comparative analysis found that the first restructuring of agricultural firms operating efficiency may not be better than the restructuring of agricultural firms.(2)Regression analysis confirms that Ownership concentration,the number of executives,the proportion of agricultural loans have a significant negative impact on agricultural businesses operating performance.Bank scale,innovation ability and executive holding have a significant positive impact on the performance of rural commercial banks.Deposit and loan ratio,staff quality and employee shareholding have no significant effect on the performance of rural commercial banks.Finally,based on theoretical analysis and empirical results,the paper puts forward to the suggestions to improve the rural commercial banks operating performance. |
