The Applied Research For Rural Community Commercial Banks Performance Evaluation

For the rapid development of rural credit cooperatives, Chinese rural credit cooperatives are in transition, from the rural credit cooperatives to the rural cooperative banks, or to the rural community commercial banks. Consequently, comparing to the development of the rural credit cooperatives, stagnant evaluation of the way is relatively backward. Scientific and reasonable way is to promote the performance evaluation of the healthy development of rural credit cooperatives extremely important premise. In the process of transformation there exist in the lack of performance evaluation system, that will not provide timely and effective evaluation for rural credit cooperatives. The PEARLS system is designed by the world credit cooperatives council (WOCCU) who puts forward to the authority of the performance evaluation system of rural credit cooperatives. The PEARLS system applied for Chinese rural credit cooperatives performance evaluation system has very important significance.The paper elaborates the development background of the performance evaluation system, and points out that the lack of operation evaluation, the situation is not comprehensive, existing qualitative index, design is too simple, then it puts forward the more authoritative and greater PEARLS system. This paper introduces the basic index system and the core index system of the PEARLS system, and collects the data from TongCheng of province Anhui rural cooperative Banks in2008～2010years. Calculating results based on the evaluation index system of PEARLS standards and evaluation formula and the factor analysis method, then comparing with the CAMELS system and the current central bank regulatory index. The index system of PEARLS pointed out that Chinese rural credit cooperatives development situation and existing barrier factors, it will correct the PEARLS system in our country actual situation and take the advantage and shortage.In the empirical results shows, the rural cooperative Banks in the three years after the reform perform well in the asset protection ability, the quality of the assets and meet with liquidity and growth, have a good development momentum. That proved the reform of rural credit cooperatives have achieved some results in recent years. It also shows the PEARLS system can make up for the deficiency of the current performance evaluation system, provides a more effective way of performance evaluation and takes use for Internal management and external supervision.