Study On The Efficiency Evaluation Of Villages And Towns Banks In Hebei Province

For a long time,in order to solve the contradiction between the slow development of financial institutions in rural areas and the increasing financial demand in rural areas in the course of the continuous economic development,the relevant departments of our country promulgated in 2006 "Some Opinions on Adjusting and Relaxing the Access Policy of Villages and Very Banks Financial Institutions in Rural Areas to Better Support the Construction of New Socialist Countryside",which aims to alleviate and ease the contradiction.Improve the difficulty of financing in rural areas,encourage rural areas to develop rural finance,and gradually open up the financial markets in rural areas.We hope that people from all walks of life can go to rural areas or county areas and develop new rural financial institutions to promote economic development in rural areas.After more than ten years of continuous development,village banks in Hebei Province have become an important factor in serving local farmers and enterprises in rural areas.In response to the government's call,Hebei Province began to establish the first village bank in 2008.After ten years of continuous development,more than 110 village banks have been set up and put into operation in Hebei Province by the end of December 2018.Because of the different capital scale and management level of village banks,there are still many problems in the development of village banks in Hebei Province.With the rapid development of rural banks in Hebei Province,Hebei rural banks are facing many common problems,such as fewer sources of credit funds,fewer favorable policies provided by the government,and weak capital of rural banks.The operational efficiency of village banks is an important factor to measure the quality of the development of village banks.How about the development of village banks in Hebei Province and what factors affect the operational efficiency of village banks have become the key points in the development of village banks in Hebei Province.According to the specific situation,this paper analyses the specific characteristics of village banks in Hebei Province and puts forward specific development proposals for the current situation,puts forward rationalization proposals for the development and financial environment differences in different parts of Hebei Province,and from the realistic situation,according to the characteristics of villages and towns in Hebei Province,carries out policy support for relevant village banks;Hebei village banks should make clear their own positioning and adhere to their characteristics.We should make efforts to improve the efficiency and profitability of village banks by means of management,innovation,management and staff quality.The innovation of this paper: From the static and dynamic point of view,we analyze and evaluate the efficiency of 14 rural banks in Hebei Province,which were established in 2011.The existing research on the efficiency of rural banks in Hebei Province is limited to a fixed time point,and there is no longitudinal comparative analysis.And through combining the actual operation characteristics of village banks in Hebei Province,the input-output index is constructed.It breaks through the characteristics that the selection of indicators for village banks in Hebei Province is not very available.By choosing such easily accessible indicators as the number of employees,the number of institutional network points and the amount of registered capital,the village banks in Hebei Province can improve their operating efficiency without relying on external environment on the basis of adjusting their own operating modes.