Research On The Performance Evaluation Of Chinese Rural Commercial Banks Based On Grey Relational Analysis

With the deepening of the reform of rural financial system,the rural commercial banks have been developing rapidly in recent years.The overall strength has been significantly improved,and gradually becoming the main force in China's rural financial system.However,compared with other types of banks,there is still a certain gap.If we want to occupy a place in the fierce financial competition environment,it is necessary to improve the comprehensive competitiveness of rural commercial banks.The performance evaluation of rural commercial banks can make them recognize their weakness,find problems,improve their own management,and better promote the development of rural finance in china.At the same time,compared to the level of rural commercial bank performance in different areas,it's better to encourage rural commercial banks to find out and other regional rural commercial banks from the management experience of rural commercial banks operating performance better.After reading the domestic and international performance of commercial banks on the basis of the literature,the related theory of performance evaluation of the commercial banks and the limitations and the analysis of the relevant performance evaluation methods are introduced.Then,the final selection of grey correlation method is choosed as research method to analysis the level of performance of China's rural commercial banks.In recent years,some rural commercial banks began to disclose information,and rural commercial banks to publish data less information,these data do not necessarily show a regular distribution.And the use of other methods for rural commercial bank performance evaluation may bring a larger limitations.It is a reasonable choice to evaluate the performance of rural commercial banks by using gray relational analysis.The use of gray relational analysis can overcome the defects,which is hat the sample information less,and not a regular distribution of defects.And this measure can bring some advantages,which is that the small sample data processing effect is better High accuracy.In order to study the difference of performance level of rural commercial banks in different regions,this paper divides the whole country into the eastern,central and western regions,selects 13 rural commercials in 2015 and 12 drivers related to the performance of commercial banks,Calculate the gray correlation between each sample bank and reference bank,and sort.The results show that the rural commercial banks in the eastern region have a strong profitability,the assets are large and the middle business is developing well.At the same time,there are problems such as higher non-performing loan ratio and higher deposit-loan ratio in the eastern part of the rural commercial banks,which affects the liquidity and security of the rural commercial banks.The rural commercial banks in the central and western regions are well-capitalized,the NPL ratio is low,the liquidity level is better,but the profitability of the rural commercial banks in the eastern region and the western region is insufficient,the loan ratio is higher,the loans are too concentrated,The proportion of operating income less.According to the empirical results,the rural commercial banks in the future development of targeted policy recommendations.Mainly include the following aspects:a clear market positioning,the fonnation of characteristics of business;the central and western regions to actively develop intermediary business.