The Measurement And Comparative Research On Sustainable Development Level Of Rural Commercial Banks

The rural financial service has always been a worldwide problem, to provideaffordable financial services for the rural population is a major component ofdevelopment strategy of the world bank in the past decades. In order to reducepoverty, raise farmers’ income and realize the sustainability of rural finance, somedeveloped and developing countries around the world have carried out somebeneficial exploration on rural financial system and pattern. For China, as such aspecial developing countries, to promote rural financial service level and establish asustainable rural financial system are more challenging and difficulty. Ruralcommercial banks, as the new force of rural financial reform in our country, haveplayed an important role in improving financial institutions network coverage andcarrying out national support policies of supporting agriculture. But at the same time,rural commercial banks are facing some problems, such as ownership scattered,market positioning is not clear, its weak infrastructure and the lack of external creditenvironment and so on. Therefore, it is of great significance to research thedevelopment situation of rural commercial banks, as well as the influence factors andpath choice to achieve sustainable development.Firstly, this paper introduces the related theory of sustainable development,including the source of the sustainable development and the meaning of financialsustainable development. And put forward the personal understanding of theconnotation of the rural commercial banks’ sustainable development combined withthe development of the rural commercial bank status and present problems. Then, thepaper established a set of evaluation index system for the sustainable development ofrural commercial bank, by reference the world bank’s performance evaluation indexsystem, from the internal factors and external factor, and conduct the measurementand comparative research on sustainable development level of18rural commercialbanks by the method of factor analysis. Finally, according to the above researchresults, this article points out that the rural commercial bank in order to realize thesustainable development should following the three aspects: Adhering to its marketpositioning and provide service for agriculture, rural area and farmers; Strengtheningits endogenous ability; Improving the rural financial ecological environment with thesupport of the government.