The Study On Shandong Province Rural Commercial Bank Efficiency And Its Influencing Factors

In recent years,though rapid development of rural commercial bank,we are also aware of a large number of rural commercial bank is in the early stage of reform,establish a mature modern bank management goal has not been fully realized。No matter from the internal management and external management environment,rural commercial Banks are at a significant disadvantage in the competition,Compared with state-owned commercial Banks、joint-stock commercial Banks。Based on the sampling of 44 rural commercial bank in shandong province as the research object,revolves around the rural commercial bank efficiency and its influencing factors。On the one hand,this paper make a summary of existing rural commercial bank differentiation degree and reason,from single institutions,area,theme,the type of four dimensions.The second aspect,from the total factor productivity change dynamic indexes sample institutions change characteristics of the rural commercial bank development trend over time.Second,observing samples institutional efficiency value changing with time characteristics from the dynamic index changes in total factor productivity.At the same time combining static and dynamic analysis method,evaluating rural credit cooperatives bank reform policy effect.Finally,through the regression analysis method to discuss what index has a significant influence on rural commercial bank efficiency,how to improve the efficiency and trade competitiveness and put forward rational Suggestions.This paper studies show that rural commercial bank in its overall efficiency is on the decline nearly six years.From the cross section data in 2016 in shandong province rural commercial bank efficiency difference is bigger,the scale inefficiency is leading cause of part of the bank technical efficiency to reduce.technical efficiency,pure technical efficiency and scale efficiency of Rural commercial bank are better than that of the rural credit cooperatives.Rural commercial bank show a relatively mature bank internal management and business management skills,scale control ability is stronger.For bank of rural credit cooperatives reform policy effect,the author believes that in the long run,this reform is to more scientific and reasonable organization form improvement,can effectively improve the overall efficiency of rural credit cooperatives.But in the short term,due to the time span is short,reformed bank coincided with the deterioration of the external economic environment,the total efficiency is lowe.at the same time,refoemed rural commercial bank is to adapt to the adjustment,rural credit cooperative bank reform policy effect has not been fully revealed.Business innovation ability,risk coverage is the important factors affecting rural commercial bank,and was positively related to relationship.And more special is,because the rural commercial bank capital application ability is limited,capital adequacy ratio is higher,resulting in overall efficiency of the indicator and mechanism showed a negative correlation relationship.Equity concentration,loan concentration has little impact on the overall efficiency of rural commercial bank.Caused by the external force to resolve non-performing loans,rural commercial bank non-performing loan ratio on sample has no significant impact on overall efficiency.