基于31个地市共39家农村商业银行2013—2020年的面板数据，运用无导向DEA-Malmquist模型测算农村商业银行效率，然后采用系统GMM方法实证检验金融科技发展对农村商业银行效率的影响及其异质性，并从金融科技发展的多个维度对研究结论进行稳健性检验。结果表明：无论是从总体上还是从各维度来看，金融科技发展对农村商业银行效率均有显著的正向影响；金融科技发展对长三角、京津冀、珠三角地区农村商业银行效率的正向影响更显著；金融科技发展对规模较小的农村商业银行效率的正向影响更显著。

Based on the panel data of 39 rural commercial banks in 31 cities in China from 2013 to 2020, the efficiency of rural commercial banks has been calculated by using the Nonoriented DEA Malmquist model, the influence and heterogeneity of financial technology development on rural commercial banks have been tested empirically by adopting the system GMM method, and the research result has been confirmed by robust test from multiple dimensions of financial technology development. The study shows that the development of financial technology has a significant positive impact on the efficiency of rural commercial banks both in general and in all dimensions. It has a more significant positive impact on the efficiency of rural commercial banks in the Yangtze River Delta, Beijing Tianjin Hebei region, and the Pearl River Delta region and also a more noticeable positive impact on the efficiency of the small-scale rural commercial banks.

F832.3