OperatingEfficiencyEvaluationofRuralBanksBasedonDEA
Super-efficiencyModel
By
TIANXin
B.S.(HunanUniversity)2010
Athesissubmittedinpartialsatisfactionofthe
Requirementsforthedegreeof
MasterofEconomics
Finance
Inthe
GraduateSchool
0f
HunanUniversity
Supervisor
ProfessorLONGHaiming
April,2013
硕士学位论文
Abstract
Asthenewtypeoffinancialinstitutioninruralarea,ruralbankshavebeendevelopedwellthesesyears.Theyhavemadehugecontributioninsolvingthecontradictionbetweensupplyanddemand,providingbenigndevelopmentoffinancingchannel,reducingtheexcessiveinterventionofgovernmentontheruralfinancial.Butatthesametime,theexternalenvironmentandinternalgovernancealsorestrictthedevelopmentofthemtoacertainextent.Thequestions,suchashowistheoperatingefficiencyofruralbanks,whataretheinfluencingfactors,fromwhataspectstoimproveandenhanceoperationefficiencytobetterpromotethedevelopmentofvillageBanks,areallneedresearchanddiscussion.Thisisalsothereasonwhythisarticlechoosetostudythevillagebanks’operatingefficiency.
Comprehensiverelatedliteratureathomeandabroadareintroducedinthispaper,afterwhichthearticlegivestheconnotationandclassificationofbankefficiency,andbrieflyanalysesthefinancialindicatorsinthestudyofbankefficiencymethodandthefrontieranalysisoftheparameterandnonparametricanalysismethod,andthecomparisonofthetwomethodsisgiven.Thentheruralbanks’internalandexternalinfluencefactorsarecomprehensivelyanalyzedandsummarized.ThenthepaperusesDEAmethodofCCRmodelandsuperefficiencymodeltostudytheempiricaldataoffiveruralbanksintwoyears,andinvestigatestheoperatingefficiencyfromcomprehensiveefficiency,technicalefficiencyandscaleefficiency.Finallythisarticleprovidespolicysuggestionfromtheaspectsofinternalgovernance,externalexpandingbusinessandpolicyenvironmenttoimprovetheoperatingefficiencyoftheruralbanks.
EmpiricallyinvestigationbyusingDEAsuperefficiencymodel,thispaperverifiedthemethodintheadvantageofalldecisionmakingunitsprovidemoreinformationinevaluationandthemorethoroughinformationprovidedbythestudyofruralbankoperatingefficiencyisguaranteed.BasedontheempiricalanalysisoffiveruralbanksinHunanprovince,theresultsshowthattheoperatingefficiencyofruralbanksareeffectiveoverallandsteadilyimproveyearbyyear.Individualsvaryinthebank’Soperatingefficiency,stabilityisnotstrong,butthedifferenceisshrinking.Ruralbanksarecommonlylacktheefficientallocationofresources,operatingoninputredundancyphenomenon.Operatingefficiencycanbeobtainedthroughexpandproductionandmarket,whichmustbeadaptedtoscale.Ruralbanksdonotblindly