The Research Of The Efficiency Analysis For The Rural Cooperative Financial Institutions In Jiangsu Province

Many scholars do research on the efficiency of financial institutions, the high efficiency of financial institutions can not only improve the performance of the financial institutions, but also drive the development of economy. Most researches related to the financial institutions focus on analyzing the efficiency of the commercial banks. The rural cooperative financial institution is the main institution supporting the development of the agriculture. The rural cooperative financial institution makes a large contribution to the economy development of JiangSu Province, however, because the unbalanced economy development in the different areas of the JiangSu Province, there are large differences in the development of the rural cooperative financial institution in these areas. It is extremely important to do further research on the efficiency analysis for the rural cooperative financial institution in JiangSu ProvinceAccording to the previous researches, this paper uses CCR model and BBC model to do efficiency analysis, the sample of this paper is15rural cooperative financial institutions from the three cities of the JiangSu Province. These three cities are separately from the different areas of JiangSu, named Sunan, Suzhong and Subei. The input indexes in this paper are the number of the staffs, the fixed assets and the operating expenses, the out indexes are the amount of loans and the net profit. After calculating the efficiency using DEA, compare it between different areas and different years. Then do further research on the problem of the input redundancy and output insufficiency for the15rural cooperative financial institutions. The result shows that the efficiency increases every year and the efficiency of Sunan areas is higher than Suzhong and Subei.The research on the factors that affect the efficiency of the rural cooperative financial institutions is based on the regression model. The dependent variable is the DEA efficiency, the independent variables include the GDP per person, the percentage of the agricultural outputs, the urbanization rate, the amount of assets, the deposit-loan ratio, the percentage of the non-performing loans and the number of business outlets. The results indicate that the percentage of the agricultural outputs, the urbanization rate and the amount of assets have no relationship for the efficiency, the percentage of the non-performing loans negatively affect efficiency, the GDP per person, the deposit-loan ratio and the number of business outlets positively affect efficiency. Many measures are provided in this paper, they are increasing the types of the products, enlarging the operating scale, simplifying the work flows and decreasing the percentage of the non-performing loans.