我国农村商业银行效率评价及其影响因素——基于DEA对15家银行的分析的中期报告.docx

我国农村商业银行效率评价及其影响因素——基于DEA对15家银行的分析的中期报告 摘要： 农村商业银行作为服务农村经济、促进农村金融发展的主要金融机构，其效率评价与影响因素已成为国内外学者关注的重要研究方向。本文以我国15家农村商业银行为研究对象，采用数据包络分析（DEA）法对其效率进行评价，并运用多元线性回归模型探究其影响因素。研究结果表明，2015年我国农村商业银行整体效率为0.724，规模效率和技术效率分别为0.898和0.806，规模效率对整体效率的贡献率高达93.3％，说明规模扩张是提高农村商业银行效率的有效途径；技术进步和资产质量也显著影响了效率水平，而经营费用率则对效率影响较小。本文研究结果有助于进一步完善农村商业银行的管理和监管制度，提高农村金融的服务水平和效率。 关键词：农村商业银行；效率评价；规模效率；技术效率；影响因素 Abstract: As the main financial institution serving the rural economy and promoting rural financial development, the efficiency evaluation and influencing factors of rural commercial banks have become an important research direction for domestic and foreign scholars. This paper takes 15 rural commercial banks in China as the research object, uses data envelopment analysis (DEA) to evaluate their efficiency, and uses multiple linear regression models to explore their influencing factors. The results show that the overall efficiency of rural commercial banks in China in 2015 was 0.724, with scale efficiency and technical efficiency of 0.898 and 0.806, respectively. The contribution rate of scale efficiency to overall efficiency was as high as 93.3%, indicating that scale expansion is an effective way to improve the efficiency of rural commercial banks. Technological progress and asset quality also have a significant impact on efficiency, while operating expense ratio has a small impact on efficiency. The research results of this paper are helpful to further improve the management and supervision system of rural commercial banks, and improve the service level and efficiency of rural finance. Keywords: rural commercial bank; efficiency evaluation; scale efficiency; technical efficiency; influencing factors