The Study On The Efficiency And Its Influencing Factors Of Rural Commercial Bank In Anhui

Financial industry plays an important role in promoting the development of national economy and it is also the pillar industry of modern market economy.As the core part of the financial system,Commercial Banks play a vital role in the stability and development of the financial industry.At present,the banking industry is facing profound adjustment and transformation,which is more obvious for rural commercial Banks.With the steady progress of the reform of rural credit cooperatives,the number of rural commercial Banks has increased significantly in recent years.There are obvious improvement in the aspects such as operation management and assets quality on the adjusted Rural Commercial Bank.On the other hand,diversified development is becoming more attractable in nowadays.There also formed a variety of different size and special characteristics banking-system with the historical burden decreased.But they also have to meet the fierce competitive pressures from internal and external challenges.The restructuring of rural commercial Banks in our province has been basically completed by 2015.The growth rate of scale has keeping a slow level.In the local market,There is a phenomenon which called "a ceiling effect".In addition,there still has a large room for improvement that can speed up the profitability of rural commercial bank.Anhui rural commercial bank is at a key point of reform now,because it still need to enhance the power in the aspects of income source,operating efficiency and asset-liability structure.The most important thing we need to solve as soon as possible is to improving the efficiency of rural commercial Banks in Anhui province,reducing their operational risks and improving their internal competitiveness.First of all,this paper researched the general development condition of Anhui province rural commercial bank.And based on the viewpoint of efficiency,some questions have used some quantitative analytical methods too.By using data envelopment analysis(DEA)method,we selected 45 typical rural commercial banks which have larger Current Assets in Anhui province.And through the data from financial statements.At first,We analysis the comprehensive technical efficiency by using the sample rural commercial bank in Anhui province from 2012to2017,and then analysis the pure technical efficiency,Scale-efficiency.Furthermore,we researched whether the rural commercial bank's efficiency is effective and the reasons of the lack of efficiency.Based on the research outcome of previous scholars,we also use the Stata model to analyze the factors influencing the operation efficiency of rural commercial Banks in Anhui province.At last,through the results of empirical analysis,we give some suggestions and measures to improve the operation efficiency of rural commercial Banks in Anhui province.