Research Of The Operation Performance Evaluation Of Rural Bank Make Heilongjiang Province As A Case

From 2004 to 2017,the country has released"Three Agriculture" as the theme of the "First Document" for 14 consecutive years and has carried out important arrangements for"Three Agriculture".The"Three Agriculture" problem is urgently needed to support rural finance.Rural bank is an important part of rural financial institutions.Rural bank need to be constantly improved and operation performance.It is important to study the operation performance of rural bankThe research make Heilongjiang province rural bank as an example and use stakeholder theory,principal-agent theory,contingency theory,corporate social responsibility theory and the research achievements at home and abroad for reference.In the study,we follow the development situation of our country and rural banks in Heilongjiang province and define relevant basic conception and theory construction of financial performance and social performance evaluation index,use projection pursuit evaluation model;OLOGIT model an analyze the operation performance of the key factors,put forward countermeasures to improve.Specific research contents are as follows.The first part(Chapter 1.2.3)mainly expounds the related concepts and theoretical basis and the development of rural banks.First of all,this dissertation analyzes the research background,purpose,significance,research status,research methods,innovative points and shortcomings of the research on the performance of rural banks.Secondly,this dissertation analyzes rural banks,performance evaluation and performance evaluation related concepts and determine the scope of the study and sort out the main ideas of stakeholder theory,principal-agent theory,contingency theory,theory of corporate social responsibility and give a summary of this research contribution at last.Finally,this dissertation introduces the development process,the quantity,the regional distribution and the operating situation of the rural banks in our country,compares with the Heilongjiang province,analyzes the basic situation of the village banks in Heilongjiang province,and lays the foundation for the following research.The second part(Chapter 4.5)is the empirical analysis.According to the relevant research results,combined with the actual situation of rural banks,this dissertation set the financial performance and social performance indicators of Heilongjiang province.Based on the analysis of the financial performance evaluation system of commercial banks,14 evaluation indexes are constructed from the following 4 aspects:profitability,solvency,liquidity and sustainable development.In the social performance evaluation,from internal policy,shareholders of social performance,social performance of employees and customers on social performance,social performance,government of creditor's social performance,social performance,the supplier on the environment and social performance of the disadvantaged groups and public social performance in 9 aspects:constructing 40 indexes This dissertation design a questionnaire to evaluate the financial performance of rural banks in Heilongjiang province.14 rural bank and Kunshan rural Bank of Lucheng,Qiongzhong bank,Qilu bank and Agricultural Bank were analyzed.Based on the existing financial performance evaluation methods,this dissertation select projection pursuit model based on particle swarm optimization algorithm use MATLAB to run the program and evaluate financial performance of rural banks in Heilongjiang province.The financial performance of the 18 samples is ranked by the projection eigenvalue,and the best projection direction is analyzed to provide the diagnosis for the performance difference.Finally,this dissertation analyzes the 18 samples of social performance level and the main indicators of performance differences are analyzed.Through financial performance and social performance evaluation,analyzed diagnosis and propose improvements.This paper use dea modle and evaluate performance of village bank for supporting the agriculture and analysis input and output redundancy and put forward some suggestions for improvement.The third part(Chapter 6.7)analyzes the key factors of operational performance and puts forward some countermeasures.First of all,on the basis of the previous analysis,the dissertation analyzes the internal and external key factors of the performance of rural banks.The external factors include economic environment,policy environment,credit environment and institutional arrangement of rural banks.The main internal factors include the size of the registered capital,profitability,product innovation,incentive mechanism,risk control,line properties,line constraints,level of financial management,financial services,credit status,and registered place.Through field survey,349 valid questionnaires were collected,using OLOGIT model for empirical analysis,the key factors for the performance of the economic environment,policy environment,rural bank system arrangement,size of the registered capital,credit status,line constraint,product innovation,incentive mechanism and risk management.This dissertation analyzes the relationship between the 9 factors and the performance of village banks,and provides the basis for the improvement of operational performance.Finally,this dissertation analyzes the experience of foreign operation performance management and puts forward some countermeasures.The main conclusions are as follows:(1)the performance evaluation index can reflect the level of performance management.The performance of rural banks is divided into financial performance and social performance based on the construction of evaluation indicators,through research and Wind data,to ensure the smooth development of empirical analysis.(2)The projection pursuit model can accurately evaluate the financial performance and social performance.The particle swarm algorithm is applied to the projection pursuit model of financial performance and social performance evaluation,objective evaluation,can provide diagnosis and sample sorting.(3)Analyze the key factors of operating performance effectively.The countermeasures are targeted.By using the OLOGIT model,this dissertation analyzes the survey data,and obtains the key constraints of the performance of village banks.Based on the empirical results and the actual situation,the dissertation puts forward the countermeasures to improve the operation performance.This dissertation uses literature analysis method,sampling survey method and empirical analysis method to evaluate the performance of village bank and analysis the key factors of operating performance.Countermeasures are put forward,which is very important for the sustainable development of rural bank.Due to the complexity of the performance evaluation of rural bank and the limit research data.The operation performance evaluation indexs need to be improved.These will be supplemented and perfected in future studies.