A Study On The Credit Efficiency Of A Commercial Bank In The Xiangxi Region Based On RS-DEA-Malmquist

The 2022 Central Economic Work Conference pointed out that the development of Chinese economy,under the current situation,is facing the triple pressure of demand contraction,supply shock and weakening expectations,and clearly pointed out that stability is the most important matter and then seeking progress while maintaining stability to deal with the triple pressure.Under the general tone of seeking progress while maintaining stability,it is required to do a good job of "six guarantees and six stabilities" in practice.Among them,stabilizing finance is one of the most important works.However,the main body of modern financial industry is the bank.As the hub of national economy,the bank plays an important role in the stable development of national economy.The credit business,as the main income source of a bank,is foremost for the business of a bank,and is related to the core competitiveness and value creativity of the bank.At present,the banking market competition is extremely fierce,the international and domestic situation is complex and changeable,and increased risk factors resulting from repeated outbreaks of the epidemic.Therefore,the research on the efficiency of bank credit business has important practical significance and practical application value.This paper focus on the origin of bank credit business to explore the management efficiency of the credit business,aims to optimize the distribution of internal credit funds,layout external credit market and promote the stable and efficient development of credit business.This paper takes the branches of a large state-owned commercial bank in Western Hunan as the research object,studies the credit efficiency of the three-year assessment period from 2018 to 2021,evaluates,analyzes and ranks the credit efficiency of each institution,and comes to the decision-making suggestions for optimizing the management and layout of credit business.The specific research content is as follows:First of all,the rough set(RS)attribute reduction method is applied to quantitatively construct the evaluation index system of bank credit efficiency,and the input indexes are the deposit,incentive cost and bad credit amount,and the output index is the index system of the credit amount and credit interest income.Secondly,based on the index system,the CCR model of data envelopment analysis(DEA)is applied to divide the bank credit business into two dimensions of public credit and personal credit,and the credit business is divided into three stages,which are credit release stage,credit recovery stage and comprehensive analysis stage for layer upon layer static research.Finally,the dynamic analysis of total factor production efficiency of credit based on Malmquist index model is made.In this paper,the application of rough set makes the establishment of index system are quantitative and scientific,the application of data envelopment analysis has classical feasibility in the static study of credit efficiency,and the application of Malmquist index model is complementary to the dynamic study of credit efficiency compared with the static study of DEA.In conclusion,in the commercial bank in the western Hunan region,the comprehensive credit efficiency of the institutions from high to low ranking is the railway station branch,Phoenix branch,Guzhang branch,Longshan branch,Ganzhou branch,Luxi branch,Yongshun branch,Renmin Road branch,Baojing branch,Huayuan branch.This has a certain practical significance and operational guidance value to the development of the bank credit business areas of western hunan.