江苏省村镇银行经营效率研究

his paper made use of the statistics of 12 village banks in Jiangsu Province between 2012 and 2013 to analyse the operating efficiencies of these banks. We used staff number, the types of deposit and lending business and settlement business, and the expenditure of major business as input indexes, and the scale of lending and the revenue of major business as output indexes. The result shows that the operating efficiencies were between 0.44 and 2.27, which was polarized. The conditions of some banks were unstable. The average operating efficiency of village banks which are settled in northern Jiangsu Province was higher than those of villages settled in the center of this area and further higher than those of villages settled in the southern part of this province. But the gaps are narrowing. Finally, we used DEA-BCC model and DEA-SBM model to find whether ignoring non-performing loan could lead to biased estimate of operating efficiency. The result shows that ignoring non-performing loan will not lead to biased estimate at present.