| Since 2003,the domestic financial industry has entered a new stage of development after the reform of financial deepening system.In the context of the in-depth development of interest rate liberalization,especially the gradual improvement of financial regulatory policies,the future operation of banks is also gradually refined.Domestic commercial banks have begun to transform and develop both business strategy and business concept,forming a market-oriented financial liberalization system.Among them,the development of bank credit business becomes the key to improve the efficiency of bank management.In this paper,literature summary analysis and empirical analysis are adopted,taking Sichuan Y Rural Commercial Bank as an example to analyze the allocation efficiency of rural loans of Sichuan Y Rural Commercial Bank.In the process of research,DEA analysis is adopted in this paper,and the output-oriented BCC model is adopted as the main model of DEA static efficiency analysis.Data from 2016 to 2021 are selected,and DEAP2.1 software is used to take four indexes of agriculture-related loans for planting and cultivation industry,agriculture-related loans for vegetable industry,agriculture-related loans for fruit industry and other agriculture-related loans as input variables.The added value of the primary industry in Y county and the per capita disposable income of rural residents in Y county were taken as output variables to analyze the allocation efficiency of agriculture-related loans of Sichuan Y Rural Commercial Bank.However,DEA model can only analyze and compare the allocation efficiency of agriculture-related loans in each branch of Sichuan Y Rural Commercial Bank,and the calculated results are only relative efficiency,which cannot truly reflect the changes in the allocation efficiency of agriculture-related loans in each branch of Sichuan Y Rural Commercial Bank.Subsequently,this paper adopts MALMQUIST index model to analyze the dynamic efficiency and dynamic change process of agriculture-related loans of Sichuan Y Rural Commercial Bank,calculates MALMQUIST index through panel data,and breaks down the changes of complete factor productivity,technical efficiency,technical progress efficiency,pure technical efficiency and scale efficiency.Through the final study,it is found that from 2016 to 2021,the comprehensive efficiency of CN sub-branch,DY sub-branch,GZ sub-branch and HC sub-branch has been below 1 for four years,all at a backward level,indicating that the agricultural loan issuance of these four sub-branches is insufficient.FL sub-branch,JL sub-branch,DZQ sub-branch,DM sub-branch,FX sub-branch,GZ sub-branch,HC sub-branch only in 2016 to 2017 total factor productivity is greater than 1,the rest of the year are less than 1,that in general,Sichuan Y rural commercial Bank agricultural loan investment for Y county economic growth and rural residents disposable income growth contribution degree still needs to be strengthened.Moreover,publicity of agriculture-related loans,channels for loan application,input structure of agriculture-related loans,input scale of agriculture-related loans,risk degree of agriculture-related loans will affect static efficiency and dynamic efficiency,and then affect the allocation efficiency of agriculture-related loans.Therefore,based on the existing agriculture-related loans of Sichuan Y Rural Commercial Bank,this paper respectively puts forward the optimization of the types of existing agriculture-related loans and the amount of investment;Strengthen the existing agriculture-related loan risk supervision;Expand the existing agricultural loan application channels and publicity;Improve the existing service level of agriculture-related loans,implement the suggestion of paperless loan management,and improve the allocation efficiency of agriculture-related loans and other measures. |
