Studyon Thepractice Innovation Of Benchmarking Bank Construction In Agricultural Enterprises

Economic development has entered a new norm,further promote the interest rate market,financial technology change rapidly and the rapid development of Internet banking,the banking competition is becoming increasingly fierce,innovation and transformation of commercial banks has become the only way which must be passed.In order to promote the smooth transformation of China's rural commercial banks and improve the overall level of development of rural financial institutions,China Banking Regulatory Commission in 2013 began to implement benchmarking bank building.Firstly,through theoretical analysis and practical experience of benchmarking of banks,the benchmark bank should have advanced and exemplary,propagation characteristics of,can be classified according to the type,size,business,etc.With the support of the core competence theory and benchmarking theory,it is found that it is necessary to apply benchmarking in the field of commercial banks in china.Wuxi agricultural firm case fully illustrates this point,the bank in 2015 was named the benchmark bank,through the case analysis,the asset size,business development,risk control has the advantage of characteristics,therefore,this article will share the process and experience of Wuxi rural commercial bank benchmark construction,mainly including the goal of urbanization and financial services integrated financial liabilities and loans strict management etc..Secondly,due to the current benchmark bank evaluation standard of subjective existence and the lack of quantitative evaluation system,this paper selects 15 indicators as the benchmark index system of bank,to the annual report data of 10 South of Jiangsu Rural Commercial Bank of China in 2015 as a sample,using the factor analysis method to construct the benchmark bank evaluation standard.The empirical results show that the size and liquidity,capital adequacy,profitability factor and business development factor,agriculture related factor and asset quality and management level factors 5 factors,weights were 27.28%,18.35%,15.04%,13.63%,13.26%.The empirical results show that,as the benchmark bank,the Agricultural Bank of South China ranked first,consistent with the actual situation.Finally,according to the analysis of the benchmark bank,this paper puts forward the countermeasures and suggestions of agricultural firms in business development,risk control,marketing platform,talent cultivation and brand construction,in order toplay a positive role in the construction of agricultural firms in advance on the benchmark bank.