Research On Efficiency Evaluation Of Rural Commercial Banks In China Based On Network SBM Model

Low rural financial efficiency has become an important shortcoming that affects the implementation of the strategy of rural vitalization.As the main force of rural finance,rural commercial banks play an important role in rural financial supply.The efficiency of rural commercial banks not only relates to the improvement of their competitiveness,but also affects the ability of rural commercial banks to serve rural revitalization.Therefore,it is necessary to study the efficiency of rural commercial banks.Based on relevant research,this paper introduces a network SBM model that considers undesirable output to evaluate the efficiency of rural commercial banks.Combining relevant research and the actual operation of rural commercial banks,this paper selects input-output variables and adopts a network SBM model that takes into account undesirable output.The static efficiency and dynamics of 29 sample rural commercial banks in China's east,central and western regions from 2011 to 2018 are selected.Study efficiency.The study draws the following three conclusions: Firstly,the static and dynamic efficiencies of rural commercial banks have improved during the measurement period.This is the result of the two-phase efficiency.At the same time,the efficiency improvement in the fund raising stage is important for the overall static efficiency improvement.The reason,and technological progress has promoted the overall total factor productivity;secondly,there is a large difference in efficiency between the two stages,the static efficiency of the fund raising stage shows an upward trend,and the static efficiency of the capital operation stage is relatively reduced;dynamic efficiency A similar situation also exists.To improve the efficiency of rural commercial banks,we must focus on improving the efficiency of the capital operation stage;thirdly,Guangzhou Rural Commercial Bank and Shanghai Rural Commercial Bank have performed better overall and two-stage efficiency,while Dalian Rural Commercial Bank and Fuzhou Rural The performance of commercial banks is relatively poor,and the individual efficiency of rural commercial banks varies greatly.Each rural commercial bank needs to improve its efficiency according to its own shortcomings.Combining the results of empirical analysis,this article discusses three suggestions for improving the efficiency of rural commercial banks from multiple angles.Firstly,stick to the business orientation of "supporting agriculture and supporting small businesses" and enhance the ability to innovate;Secondly,continuously strengthen the management of non-performing loans and focus on risk management and control;Thirdly,continue to promote the construction of information systems and promote technological progress.