中文摘要：

基于全域生产可能性集合,文章构建全域Malmquist-Luenberger生产率指数,测度了2008-2013年不良贷款约束下中国农村商业银行全要素生产率及其分解,并对其收敛性进行检验。研究发现：整体来说,中国农村商业银行全要素生产率略有下降,主要来源于技术退步,东部地区农商行生产率变化轨迹呈＂V＂形,而中西部地区农商行生产率变化轨迹呈倒＂V＂形;产权制度改革对技术效率具有一定促进作用,而货币政策、新监管标准以及产业转型政策对技术变化具有负面影响;中国农村商业银行的全要素生产率存在绝对和条件β收敛,中间业务技术含量和实际GDP增长率的提高能有效促进中国农村商业银行生产率增长。

英文摘要：

This paper constructs the global Malmquist-Luenberger productivity index based on global production technology set,and then applies the index to estimate the total factor productivity and its components of China＇s rural commercial banks during 2008-2013 under the constraint of non-performing loans,and examines its convergence. The results show： the average total factor productivity for the China＇s rural commercial banks decrease slightly with a fairy significant decrease in technical change. The change trajectory of productivity growth for rural commercial banks in eastern region shows V shape,the opposite is true in middle and west region. The property right reforms have an active effect on improving the technical efficiency,the monetary policy,new regulation standard and industry transfer policy have negative effect on technical progress. The total factor productivity of China＇s rural commercial banks shows unconditional and conditional β convergence,the increase of intermediary business technical content and real GDP growth rate can promote the productivity growth of China＇s rural commercial banks.