文章基本信息

标题：Efficiency of Rural Banks: The Case of India
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作者：Dilip Khankhoje ; Milind Sathye
期刊名称：International Business Research
印刷版ISSN：1913-9004
电子版ISSN：1913-9012
出版年度：2009
卷号：1
期号：2
页码：140
DOI：10.5539/ibr.v1n2P140
语种：English
出版社：Canadian Center of Science and Education
摘要：The objective of this paper is to investigate whether the restructuring of regional rural banks in India –undertaken in 1993-94 - has helped improve their production efficiency. Several committees have emphasized the need to improve the efficiency of these banks which are an important arm of the rural credit system in India. Improved production efficiency in provision of services would mean lower cost and financially sustainable operations. Production efficiency has been measured using a non-parametric technique of Data Envelopment Analysis (DEA). To measure efficiency most directly, interest income and non-interest income were used as outputs and interest expenses and non-interest expenses were used as inputs. Efficiency scores were calculated for the years 1990 to 2002. Thereafter these scores were compared for before and after the restructuring year (1993-94). The study finds that efficiency of rural banks has significantly improved after restructuring. It seems the policy of the Government of India to restructure these banks has shown positive results and the study recommends its continuance.