我国农村商业银行运营效率比较与评价——基于数据包络分析法

摘要

农村商业银行在服务＂三农＂、促进农村经济发展方面发挥着重要作用,其运营效率直接影响着对农村经济的支持力度。本文运用数据包络分析法的C2R、C2GS2和Malmquist指数模型,测度了8家农村商业银行的综合效率、纯技术效率和规模效率。研究结果显示：目前我国农商行纯技术效率已达到或接近有效,而规模效率方面却存在着无效表现,从而影响了综合效率值的高低。%Rural commercial bank has significant effect on serving＂agriculture,rural areas,and farmers＂and on promoting the development of local economy.The operation efficiency directly affects rural economy development.In this paper,we use C2R,C2GS2 and Malmquist index model in DEA method to measure the comprehensive efficiency,technical efficiency and scale efficiency of the 8 sample rural commercial banks.The result shows that the technical efficiency has already achieved or closed to completely efficiency,but the scale efficiency is not performed,so the total efficiency is limited.The total factor productivity of rural commercial bank has increased from 2009 to 2010,which is consistent with the social and economic development during the same period.