Efficiency Evaluation Of Rural Commercial Banks Based On The Scale Of Different Assets And Analysis Of Its Influencing Factors

As a pillar industry of modern market economy,the financial industry plays an important role in promoting the development of national economy.As an important part of the financial industry,commercial banks determine the stability and development of the entire financial industry.At present,with the further development of the banking industry,the banking industry is facing a profound adjustment,which is especially obvious for rural commercial banks.With the steady progress of restructuring,the proportion of rural commercial banks in rural financial institutions has increased year by year.Although the rural commercial banks have been reformed,the management level and the quality of the assets have been greatly improved.At present,the situation of the diversified development of the agricultural and commercial banks has been formed,and the agricultural commercial banks of different sizes and characteristics have been formed,and the historical burden has been greatly reduced,but it is still subject to the multiple challenges of the internal and external departments.On the one hand,the slowdown in scale growth has been evident.The ceiling effect in the local market and the increasingly fierce competition have caused the original market share to be encroached upon.On the other hand,the profitability of agricultural commercial banks is far lower than that of their counterparts,and their income sources,assets and liabilities structure and operating efficiency still need to be improved,and agricultural firms are now on the key node of the reform.Improving the efficiency of rural commercial banks,reducing operational risks and enhancing internal competitiveness are the most important tasks to promote the further reform and development of rural commercial banks.This paper first explains the concept,category,basic principle and the econometric model of the efficiency of commercial banks,and on the basis of the model of the three stage DEA model,measures the efficiency of rural commercial banks in five years,and finds that after eliminating the interference of the external environmental factors to the efficiency of the rural commercial banks,the large rural area is a large rural area.The efficiency of commercial banks from the first stage to the third stage has been significantly improved,while the efficiency of small rural commercial banks has declined significantly.Based on the reasonable choice of input and output indicators,panel Tobit regression analysis is conducted on the factors that affect the efficiency of rural commercial banks.The results show that the profitability has a significant positive impact on the efficiency of rural commercial banks,and the allocation ability has a reverse impact on the efficiency of large rural commercial banks,but the impact is not significant;the innovation ability has a positive impact on the efficiency of small rural commercial banks,and the efficiency of human resources is also positive for small rural commercial banks.Influence.Based on the research results of this thesis,this paper holds that the rural commercial banks should continue to reform the property rights system and improve the real and effective modern management system,firmly grasp the quality of assets,reduce the rate of non-performing loans,strictly control the risks faced in the operation,and speed up the development of the middle and financial retail business,We should enhance the endogenous driving force of banks,optimize the structure of earning profits,establish a modern and effective human resource management system,and raise the level of human resources.