Abstract: This paper worked on 13 rural commercial banks based on the DEA model during 2011，figure out the comprehensive efficiency value of the 13 banks, and analyze 6 influencing factors of the banks’ efficiency based on Multiple regression analysis, the conclusion is the key influencing factors are innovation ability and operating management ability，then put forward the corresponding countermeasures.

摘要： 本文运用数据包络分析法（DEA）对13家农村商业银行2011年的截面数据进行分析，得出各农村商业银行运营的综合效率值，并运用多元回归分析法分析了影响农村商业银行效率的六大因素。研究结论认为农村商业银行的创新能力和经营管理能力是影响效率的关键，非利息收入与农商行效率成正比，资产费用率与农商行效率成反比，而资产规模、存贷比、前十名股东持股比例以及营业范围对农商行效率的影响均不显著。