Feidong Rural Commercial Banks Operating Performance And Its Influencing Factors

Along with the deepening reform of rural credit cooperatives system,rural commercial bank,as a kind of characteristic of joint-stock system,local financial institutions preliminary established,and along with the development of agricultural economy in our country and improvement of living standards,rural people's economy gradually become one of the most important financial institutions in rural areas in our country has greatly promoted the development of the rural economy in our country.This article selects 2005-2015,anhui FeiDong rural commercial bank data for analysis.First of all,from the financial indicators analysis of factors affecting FeiDong rural commercial Banks operating performance.The empirical results show that: first,the income margin,non-interest income proportion and GDP in anhui province and non-business expenses ratio FeiDong farmers have a positive impact on firm performance,which accounts for non-business expenses than positive influence reflects FeiDong bank twice in a short period of transition,equity is too scattered,and a background in non-bank shareholders brought about by the agency cost increase;Second,the cost income ratio,asset size and non-performing loan ratio and FeiDong bank business performance has significant negative correlation,FeiDong bank assets increment is higher than net profit increment,so that both the ratio of no increased significantly;Third,FeiDong bank net profit growth is significantly associated with some of these financial indicators.Secondly,this article from FeiDong rural commercial bank's internal and external two aspects analyze factors affecting its performance.Integrated internal and external factors affecting found FeiDong bank equity in distribution,talent reserves,risk management,business development and regional restrictions have appropriate.Finally,this paper based on the above analysis put forward to perfect internal mechanism,attract talent,strengthen the consciousness of service and risk,increasing equity concentration and the introduction of a financial background of shareholders and in director and relevant Suggestions,to promote the development of anhui FeiDong better rural commercial bank.