The Research On Competitiveness Of China Rural Commercial Bank

In the end of the year2001, our country carried on the pilot reform of rural creditcooperatives in jiangsu province, formed three rural commercial Banks, since then,Rural Commercial Banks have set up all over the country. Rural Commercial Bank asthe most important core part of the rural financial system in our country, theirpresence greatly not only broke the pattern of the height of the banking systemmonopoly in our country, but also actived and enriched the rural financial market.Rural Commercial Bank, with its relatively rapid market response, flexiblemanagement mechanism, the rural financial market had accounted for a certainmarket share, irreplaceable contribution made to promote the development of China’srural economy and finance. As China’s economic and social development and the paceof building a new socialist countryside continues to accelerate, the income of ruralresidents in China has also increased, the majority of our farmers are no longer simplyengaged in agricultural production has been basically to the second, tertiary industries,the rapid development of the rural economy so that agricultural production growingneed for more financial support, financial institutions focus on rural market is alsoincreasing, but also makes more and more intense competition in the rural financialmarket, at the same time, financial globalization also makes the competition amongbanks increasingly, in this context, China’s rural commercial banks face increasingcompetitive pressure. Then, China’s rural commercial banks in the financial marketswith much competitive strength, someone from which to enhance theircompetitiveness in the market competition in an invincible position, it has become avery urgent problem.This paper based on the relevant theories of enterprise competitiveness andcommercial bank competitiveness, and in reference to the world bank in ruralfinancial institutions, on the basis of performance evaluation index of ruralcommercial bank in our country development present situation, from the Angle ofqualitative and quantitative, China’s rural commercial bank competitivenessevaluation index system is established, for the subsequent empirical research providesthe practical support. Then, in the Bank of Agriculture and Commercecompetitiveness evaluation index system based on factor analysis to make empiricalresearch on the competitiveness of China’s15Rural Commercial Bank, to find the size of the bank and the ability to innovate, profit and property rights governancestructure, safety, liquidity and market penetration are the main factors affecting thecompetitiveness of commercial banks in rural areas, given the competitive ranking ofAgriculture and Commerce Bank. Secondly, the use of cluster analysis, factor analysisbased on the classification of the Bank of Agriculture and Commerce, to explore thecharacteristics of each class has. Finally, in accordance with the relevant theoreticaland empirical research results, it is pointed out that the rural commercial banks canimprove their own competitiveness, enhance competitiveness departure from financialinnovation, economies of scale, control credit risk, optimize the equity structure,provide a reference for the sustainable development of rural commercial bank inChina.