HRB Bank Holding Village Banks Operating Efficiency Evaluation Research

Village Banks operating performance problems,is different from general commercial Banks,the establishment of it,often is to undertake the task of certain political and social performance,to serve the rural areas,promote the development of primary industry.Therefore,when evaluating the operating performance,in addition to considering the general commercial bank's focus on profitability,liquidity,security,should also focus on considering its policy and sociality,this is especially embodied in village and town bank loans for the support,this is the financial industry support the development of agricultural economy is the most direct embodiment.In this paper,first the past scholars both at home and abroad were analyzed and summarized in this paper the research findings of village Banks is very efficiency analysis,this paper studies the case again several HRB bank holding village Banks in recent years,combining the actual data,in this case the problems in the management efficiency evaluation system for further discussion.The integrated use of case analysis,literature research,the experience of the previous scholars and HRB bank holding village Banks match the reality,fully with the international classic article concluded that the theory research.On the one hand,international and domestic scholars study the results and draw lessons from the advanced experience of domestic and foreign scholars,as the case study in this paper provided the certain basis and reference;Case in this paper,on the other hand,based on the knowledge of other disciplines such as management,etc.,explanation for case efficiency,this paper analyses the evaluation result,and made a certain degree of breakthrough.Finally,this article on the case study on the analysis of the expression of sorting data integrated use of a variety of charts,forms,more clear for HRB holding rural banking business has made the detailed analysis,summarized the arguments and ideas in the study of performance evaluation of village Banks,want to read comprehensively and objectively analyze HRB bank holding problems existing in the performance evaluation of village Banks.At the same time to 2015 to 2017 the national total of 20 HRB bank holding village Banks operating data as sample,using the three stage DEA and Malmquist total factor productivity index method,make 20 decision-making level of the unit in the same environment,builds a return on equity,to its contribution to agricultural development,as well as the ability to resist risk relatively fair evaluation on the performance of system.According to the result of case analysis shows that the initial size of the village Banks,great influence on the elements of the input-output efficiency;With an operations duration of only the part of the influential elements of the input-output efficiency,and the area the level of GDP for the output efficiency of village and town bank inputs of influence is not significant.This article according to the three stage DEA to HRB bank holding village Banks case analysis,put forward in accordance with policy Suggestions on research conclusion,have very strong pertinence,and these policy advice,to other village Banks to improve their business performance,can be used as a reference.Case application of the method of analysis,this paper not only can the HRB bank holding village Banks as reference of comprehensive performance evaluation,also can adjust the evaluation index,flexible for other village Banks,commercial Banks or performance analysis.