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This paper explored changes in the business efficiency of Rural Credit Cooperatives (RCCs)in eleven regions of Hebei province since the rural finance reform beginning in 2003. We measured the business efficiency by using DEA-BCC Model and Malmquist index. On the whole DEA efficiency showed improvement while each region’s RCCs DEA efficiency existing obvious differences over the 2004~2015 period. Malmquist analysis showed financial service technique innovation became the major cause of DEA efficiency enhancement since year 2010. Tobit regression showed that internal factors like credit scale, risks controlling and financial innovation, which reflect scale efficiency and pure technical efficiency, and environmental variables like per capita disposable income and agricultural GDP proportion, had significant effects on DEA efficiency. This paper is the first to make comparative study on the business efficiency of RCCs in eleven regions of Hebei province. Keywords—Rural Credit Cooperatives(RCCs), Business efficiency, DEA-TOBIT, Malmquist index

The Analysis on the Differences and Influencing Factors of DEA Business Efficiency of Rural Credit Cooperatives