我国农村商业银行效率测度及其影响因素探讨

The Study on the Efficiency and Its Influencing Factors of Rural Commercial Banks in China

采用DEA方法对我国12家农商行2009～2013年的技术效率、纯技术效率和规模效率进行了测度，结果表明县域级农商行的技术效率和规模效率普遍要高于省级农商行。在此基础上利用面板数据模型对影响我国农商行效率的若干因素进行了回归分析，结果表明资产规模、资本充足率、存贷比和前十大股东占股比对农商行效率有显著影响。

Using data envelopment analysis （ DEA）, this paper measures the technical efficiency, pure technical efficiency and scale efficiency of 12 rural commercial banks from 2009 to 2013. The results show that technical efficiency and scale efficiency of the rural commercial banks at the county level are generally higher than the rural commercial banks at the provincial level. Based on the findings, this paper develops regression on the influencing factors of rural commercial banks by using the panel data model. It concludes that the asset size, capital adequacy ratio, loan and deposit ratio and equity ratio of the top ten shareholders represent a significant impact on the effi- ciency of the rural commercial banks.