An Analysis Of The Run Efficiency And Its Influencing Factors For The Sihong Rural Commercial Bank In Jiangsu Province

The purpose of the reform is to improve the efficiency, and efficiency means to achieve organizational goals faster and better with existing resources.the Rural financial system reform has been implemented for many years, what about the efficiency of rural credit cooperatives now? Did the reform improve the advantages for gaining the two goals, which is to maximize profits and to Service the "Agriculture, Farmers and countryside"? What factors affect the efficiency of rural credit cooperatives, which is to find out the main factors that affect its capacity to gain its target? This article takes Sihong rural credit cooperatives (now for the Sihong rural commercial banks) as an example, to build an input-output index system for Evaluating the operating efficiency of rural commercial bank, on the basis of reading the literature. This system added the Annual agriculture-related loan originations, which can reflect The goal of servicing "Agriculture, Farmers and countryside "for the rural commercial bank, to the usual out-put index.it will be help to Fusion the two major goals of the rural credit cooperatives, which is to maximize profits and to service the "Agriculture, Farmers and countryside".This two problems above will be studied by data envelopment analysis (DEA) and the analysis of variance.The results show that the overall efficiency of the the Sihong rural commercial banking is low, and which is mainly due to the changes in the technological progress is too low. Due to the high level changes in technological progress, Guiren and Linhuai Sub-Branch bank get higher levels of overall efficiency. Jinsuo and Chonggang branches gets higher levels of Technical efficiency, and the former is mainly due to the improvement of scale efficiency, the latter is mainly due to the improvement of pure technical efficiency. The Technological progress of The Sihong rural commercial banks is in a declining state.in all comparison objects, Only the Guiren and the Linhuai branch’s technological progress is on the rise.and the remaining sub-branches and the head office of Sihong rural commercial banks’technological progresses are declining.The distribution of pure technical efficiency and scale efficiency make no much differ of technical efficiency.The analysis of the Factors which influence the operating comprehensive efficiency of the Sihong Rural Commercial Bank branch show that the personnel quality, profitability, scale and asset quality have a significant positive effect on the overall efficiency of the the Sihong Rural Commercial Bank branch. The ability of resource allocation, diversification, risk-resisting ability and regional factors had no significant effect on the efficiency of the Sihong rural commercial banks branch.On this basis, this article raises some Recommendations, which includes a shift in management philosophy, emphasis on overall efficiency; improve the management level, to improve the technical efficiency; strengthen scientific and technological improvement, and promote technological advancement; explicitly positioned itself, adhere to service the "Agriculture, Farmers and countryside "; attention to personnel training, and ensure the power of development.