Method Of Rural Commercial Bank Performance Evaluation Research In China Based On The Grey Correlation Analysis

With the constant deepening of the rural financial system reform in our country,the role of rural commercial banks in our country has become more and more important in financial markets.Rural commercial bank not only plays a fundamental role to the local economy in the local rural areas,but also to the development of national economy.Bank reformation has made some great progresses;it has formed the rural financial service system,including:rural cooperative finance as the main body,commercial finance and policy finance division,folk lending is a supplement.Rural commercial bank as the mainstay to serve "three nongs"(issues of agriculture,farmer and rural area),how to adhere to the original intention of reform,and reasonably meet the demand of commercial banks' profitability;realizing the profit maximization,continuous development;and being able to stand firm in the strong competition in the future rural financial market,it is really worth thinking and exploring.Although rural commercial bank has made rapidly development,the banks'overall is at the early stage of restructuring,the corporate governance structure,enterprise information disclosure mechanism,enterprise culture and development strategy is also in constant reformation and adjustment.This has caused great obstacles to the scholars' fesearch,thus the research about agribusiness bank operating efficiency is relatively lacking.Supposing that we design and establish operable management performance evaluation mechanism,provide a comprehensive and systematic analysis of the rural commercial bank management benefit,It can constantly optimize and integrate rural financial resources,improve the economic benefits of rural commercial bank,improve the management of the rural commercial bank management level,and for increasing support issues of agriculture,farmer and rural area.Rural commercial bank is the final direction of the development of the rural financial reform.Under such background,this article chooses the rural financial reform as the research object,and tries to build the operating performance of Chinese rural commercial bank system and try to discuss its operating performance.There are two research purposes for this study:First of all,to build a scientific and applicable business performance evaluation system for the rural commercial Banks,and keep making evaluation results consistent with the actual situation,providing more objective information for stakeholders,making its full understanding of the management level of commercial Banks for them to make reasonable decisions;secondly,finding out the gap by the transverse and longitudinal comparison,and take advantage of its own resources,making up for the deficiencies,to achieve the optimal allocation of resources,improving the operating performance and competition based on each of the evaluation of the rural commercial bank.In this paper,the author takes 15 representative of the rural commercial banks as the sample,the efficiency performance of the banks in 2010-2014 are calculated and compared in detail by using the grey correlation analysis method.Because of the different nature and meaning of the 16 indexes,so it is not comparable.In order to better reflect the impact of these indicators on the performance of rural commercial banks,the data will be processed with non-dimensional and standardization.The selected indicators include basic competition ability index,profitability index,liquidity index,safety index,potential competitiveness index,etc.The potential competitiveness index is an innovation point of this paper;join the proportion of graduate employees as potential competition ability of rural commercial bank to the business performance evaluation system.Although the rural commercial bank's requirements of employee education is relatively low,the quality of human resources is bound to become a focus of competition in the bank with its own development and competition in the financial industry becoming increasingly fierce competition.In this paper,gray relational analysis method is used to build rural commercial bank operating performance evaluation system,and sort the sample of agricultural firms operating performance,and trying to exploring the problems by the horizontal and vertical analysis of samples of rural commercial bank operating and finally put forward for the rural commercial.banks into the corresponding.countermeasures.