Empirical Study On The Efficiency Of Rural Commercial Banks In Anhui Province

The development of rural economy is inseparable from the support of the financial system.Rural commercial banks are a significant section of China's financial setup,the principal force of countryside finance,and the financial link to the masses of peasants.The number of rural commercial banks in Anhui Province is the largest in the country.In recent years,Anhui Province has continued to deepen rural financial reform.At the end of 2014,the restructuring of rural commercial banks was completed first.It is a landmark team for the reform of rural credit cooperatives in China and is representative of rural commercial banks in various provinces.How to grasp the opportunities in development,provide better financial services for rural areas,and improve efficiency to embark on the road of sustainable development is the first problem that rural commercial banks in Anhui Province must solve.Under the background of deepening rural financial reform,the research on the efficiency of rural commercial banks is more valuable.An in-depth study of efficiency issues will help reduce bank risks,improve the competitiveness of rural commercial banks,and promote the sustainable development of banks.Through data envelopment analysis,this paper sets the input-output index as total deposit,net fixed assets,number of employees,total loan,net profit,net interest income,and takes 23 rural commercial banks in Anhui Province as the research object.The sample organization measures and evaluates overall efficiency,pure technical efficiency,scale efficiency,and total factor productivity between 2015 and 2017.Then,with the comprehensive efficiency as the explanatory variable,from the perspective of rural commercial banks,the Tobit regression model is used to analyze the factors affecting the efficiency of rural commercial banks in Anhui Province.The study found that the efficiency of rural commercial banks in Anhui Province is generally on the rise,but there are still differences among individuals.The pure technical efficiency,scale efficiency and total factor productivity are all rising,and the scale returns are increasing.From the aspect of efficiency influencing factors,market share,asset allocation and profitability have a positive correlation with the comprehensive efficiency of rural commercial banks in Anhui Province,while there is a negative correlation between innovation capability and overall efficiency.Asset quality and safety level are on banks.The impact of overall efficiency is not significant.Anhui rural commercial banks should appropriately expand the scale,rational resource allocation,strengthen risk management and deepen technological innovation to improve the overall efficiency of banks.