摘要
近年来，尽管农村商业银行发展迅速，我们也清楚地认识到一大批农村商业银行正
处于改革初期，建立成熟的现代化银行管理模式的目标尚未完全实现，与国有商业银行、
股份制商业银行、城市商业银行相比，无论从内部管理还是外部经营环境看，农村商业
银行在同业竞争中均处于明显劣势。 本文以抽样的 44 家山东省农村商业银行为研究对
象，围绕农村商业银行运行效率及其影响因素展开研究，一方面从单家机构、分区域、
分主题、分机构类型四个维度入手，总结概括现有农村商业银行差异化程度和原因。第
二方面，从全要素生产率动态指标变化考察样本机构效率值随时间变化特点。静态、动
态分析方法相结合,评价近年来农村信用合作社进行银行化改革的政策效果。最后，通
过回归分析方法研究讨论哪些指标对农村商业银行效率具有显著影响，给出如何提高农
村商业银行效率，提升同业竞争力的合理化建议。本文研究表明，农村商业银行近六年
总体效率呈下降趋势。从 2016 年截面数据看，山东省农村商业银行效率差异较大，规
模效率低下是导致部分农商行技术效率降低的主要原因。农村商业银行技术效率、纯技
术效率和规模效率均优于农村信用合作社，表明农商行具有相对成熟的内部管理能力和
业务经营能力，规模控制能力更强。对于农信社银行化改革政策效果，本文认为，从长
期来看，银行化改革是向更科学、合理的组织形式改进，能够有效提升农村信用社总体
效率。但从短期来看，由于时间跨度尚短，改制后农村商业银行恰逢外部经济环境恶化，
银行业整体效率走低，同时改制后农商行步入改革的适应调整期，山东省农村信用合作
社银行化改革政策效果尚未完全显现。业务创新能力、风险覆盖能力是影响农村商业银
行的重要因素，且呈正相关关系。而比较特殊的是，由于农村商业银行资本应用能力有
限，资本充足率较高，导致该指标与机构总体效率呈负相关关系。股权集中度、贷款集
中度则对农村商业银行总体效率影响不大。由于银行化改革的大力推进，外力化解不良
贷款作用明显，导致不良贷款率对样本农村商业银行总体效率并无显著影响

关键字：农村商业银行；DEA 效率；影响因素；农信社改革THE STUDY ON SHANDONG PROVINCE RURAL COMMERCIAL
BANK EFFICIENCY AND ITS INFLUENCING FACTORS
ABSTRACT
In recent years, though rapid development of rural commercial bank, we are also aware
of a large number of rural commercial bank is in the early stage of reform, establish a mature
modern bank management goal has not been fully realized。No matter from the internal
management and external management environment, rural commercial Banks are at a
significant disadvantage in the competition，Compared with state-owned commercial Banks、
joint-stock commercial Banks。Based on the sampling of 44 rural commercial bank in
shandong province as the research object, revolves around the rural commercial bank
efficiency and its influencing factors。On the one hand, this paper make a summary of existing
rural commercial bank differentiation degree and reason, from single institutions, area, theme,
the type of four dimensions. The second aspect, from the total factor productivity change
dynamic indexes sample institutions change characteristics of the rural commercial bank
development trend over time. Second, observing samples institutional efficiency value
changing with time characteristics from the dynamic index changes in total factor productivity.
At the same time combining static and dynamic analysis method, evaluating rural credit
cooperatives bank reform policy effect. Finally, through the regression analysis method to
discuss what index has a significant influence on rural commercial bank efficiency, how to
improve the efficiency and trade competitiveness and put forward rational Suggestions. This
paper studies show that rural commercial bank in its overall efficiency is on the decline nearly
six years. From the cross section data in 2016 in shandong province rural commercial bank
efficiency difference is bigger, the scale inefficiency is leading cause of part of the bank
technical efficiency to reduce. technical efficiency, pure technical efficiency and scale
efficiency of Rural commercial bank are better than that of the rural credit cooperatives. Rural
commercial bank show a relatively mature bank internal management and business
management skills, scale control ability is stronger. For bank of rural credit cooperatives
reform policy effect, the author believes that in the long run, this reform is to more scientific
and reasonable organization form improvement, can effectively improve the overall efficiency
of rural credit cooperatives. But in the short term, due to the time span is short, reformed bank
coincided with the deterioration of the external economic environment, the total efficiency is
lowe. at the same time, refoemed rural commercial bank is to adapt to the adjustment, ruralcredit cooperative bank reform policy effect has not been fully revealed. Business innovation
ability, risk coverage is the important factors affecting rural commercial bank, and was
positively related to relationship. And more special is, because the rural commercial bank
capital application ability is limited, capital adequacy ratio is higher, resulting in overall
efficiency of the indicator and mechanism showed a negative correlation relationship. Equity
concentration, loan concentration has little impact on the overall efficiency of rural
commercial bank. Caused by the external force to resolve non-performing loans, rural
commercial bank non-performing loan ratio on sample has no significant impact on overall
efficiency.
KEY WORDS: rural commercial bank, DEA efficiency, factors, the reform of rural credit
cooperatives目 录
第一章 导论....1
1.1 研究背景........... 1
1.2 研究意义........... 2
1.3 研究思路与方法........... 2
1.4 研究的主要内容........... 2
1.5 可能的创新之处.........
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