Rural Commercial Bank Poverty Alleviation Efficiency Evaluation Research In Anhui Province

The issue of rural poverty in China has always been of great concern to the Party and the State.For the first time,the 19 th National Congress of the Communist Party of China has included precise poverty alleviation as one of the three major battles to ensure the overall poverty alleviation in poverty-stricken areas and the removal of all poverty-stricken counties by 2020.Finance,as the core of economy,is an important guarantee to eliminate poverty.Banks,as the main body of the financial industry,shoulder a great mission to realize the goal of removing all the caps in poverty-stricken counties by 2020.Bank credit support for poverty alleviation is conducive to leveraging poverty alleviation funds,exerting a snowball effect,increasing the coverage of poverty alleviation resources and intensifying poverty alleviation efforts.As a rural commercial bank,its purpose is to serve rural areas,agriculture and farmers.It plays an important role in poverty alleviation.As one of the poorer provinces in China,Anhui province needs the support of the financial system if it wants to complete the task of poverty alleviation as scheduled.This paper takes the national-level poverty-stricken counties in Anhui province as the research object,and evaluates and studies the poverty alleviation efficiency of rural commercial banks from the perspective of county.Based on the description of the poverty situation of poverty-stricken counties in Anhui province and the poverty alleviation situation of rural commercial banks,the relevant data of poverty-stricken counties from 2013 to 2017 was analyzed and sorted out.The efficiency of rural commercial banks in poverty alleviation was analyzed statically and dynamically by DEA model and Malmquist index analysis,and the financial efficiency of rural commercial banks was calculated.Static analysis results show that the average comprehensive efficiency of financial poverty alleviation in these poverty-stricken rural commercial banks in past five years is 0.924,among which the poverty alleviation in Sixian,Linquan,Huoqiu,Jinzhai and Shitai counties has always been DEA effective,pure technical effective and scale effective,and from the county mean the overall efficiency level gap is not large.It is found that the overall poverty alleviation efficiency of rural commercial banks in poverty-stricken counties of Anhui province is considerable,and the poverty alleviation efficiency has been improved in the past five years.Yuexi County has the highest efficiency of poverty alleviation,and both the technical progress index and the technical efficiency index are the highest.In fact,Yuexi County is currently the only one in Anhui province that has achieved picking off poverty alleviation hat of the state-level poverty-stricken counties.Through comparison with Yuexi County,the reasons for the efficiency differences between different counties are found out.Finally,this paper puts forward countermeasures and suggestions on how to improve the efficiency of financial poverty alleviation in Anhui province counties from five aspects: establishing a perfect rural financial service system,optimizing financial poverty alleviation credit input,improving the operation and management level of financial institutions,building a risk warning index system and optimizing the rural financial ecological environment.