Jiangsu Rural Commercial Bank Competitiveness Analysis

Since November 2001,the shareholding system reform of rural credit cooperatives pilot of zhangjiagang,changshu rural commercial Banks,rural commercial bank was founded on jiangyin rural commercial bank respectively,rural credit cooperatives reform in succession,all over the country set up rural commercial bank.Since the establishment of the first bank,our country already has more than 600 bank,rural commercial bank mainly for local agriculture,countryside and farmers\ "three rural\" financial services,is the main force of the local rural finance.It satisfy the rapid development of China’s rural and agricultural demand for financial services,improve the level of China’s banking industry structure,and impetus to the development of China’s rural financial market brought new,push forward rural commercial bank in the groping.After years of development,China’s rural commercial bank as the "three rural" contribution to the development of the great power,its in corporate governance,asset quality,profitability has got great improvement.Jiangsu rural commercial bank in the process of development has some advantages,such as by the national policy support,has regional advantages,etc.,but also exist in scale and has less deficiency of disadvantage,rural commercial Banks want to gain dominant position in competition,must explore and use their core competitiveness to gain profits and the sustainable development of itself.Therefore,this article choose competitive analysis as the breakthrough point of the bank.In this paper,based on factor analysis method to study the competitiveness of the rural commercial bank in jiangsu province.First past the domestic and foreign literature review and the review on commercial bank competitiveness,secondly introduces the enterprise competitiveness theory and the theory of financial ecology and to review and analysis on the development of rural commercial bank.On this basis,according to the performance evaluation system of rural small and medium-sized financial institutions to build a can to a certain extent,reflects the bank’s core competitiveness evaluation index system.And selected the 18 bank of jiangsu province in 2014 annual report data using factor analysis method,the empirical research on the core competition of the 18 bank.Finally,according to the empirical results,enhancing core competitiveness of jiangsu rural commercial bank put forward Suggestions.At the same time,in this paper,there are some deficiencies in the process of research,first competitiveness evaluation index system design needs to be further perfected,secondly,this paper collected in jiangsu province in the process of rural commercial bank financial data,financial data statistics caliber is not eliminated some exist completely consistent,index of some important project of data missing.Therefore,in the empirical analysis to some extent affected the model calculation accuracy of jiangsu rural commercial bank competitiveness.