Research On The Evaluation And Influencing Factors Of The Core Competitiveness Of Rural Commercial Banks In Anhui Province

As the largest banking institution with the largest assets and the largest business outlets in Anhui Province,rural commercial banks shoulder the important mission of serving "agriculture,countryside and farmers" and supporting small companies,making indelible contributions to local economic development.However,in the current increasingly fierce financial market competition,rural commercial banks have encountered unprecedented challenges,such as low level of risk control,weak ability of innovative products,and inadequate self-positioning.In this situation,how to break out of the siege against the current situation,take a unique road of high-quality,high-value sustainable development,and enhance their core competitiveness to adapt to the New Normal is an urgent issue for rural commercial banks to explore.In this context,it is necessary to analyze the core competitiveness of rural commercial banks.On the basis of summarizing the previous research results on the core competence theory and methods of commercial banks,and according to thedifferences and self-characteristics of agricultural and commercial banks in different regions of Anhui Province,this paper constructs an evaluation system of "two dimensions,three factors and five indicators" for rural commercial banks in Anhui Province.Then we select 13 rural commercial banks in Anhui Province and its adjacent provinces as research samples,and combine with the annual financial statements of rural commercial banks in 2017,and select data reflecting five indicators of rural commercial banks’ security,profitability,professionalism,soft power of talents and scientific and technological level to construct the core competitiveness evaluation system.With the help of factor analysis method,the evaluation system of rural commercial banks in Anhui Province is constructed and the core competence is studied theoretically and empirically.Finally,according to the results of empirical analysis,it is concluded that the rural commercial banks in Anhui province have a large gap in innovation ability,and the northern Anhui region is in an obvious superior position in operation ability.In terms of security ability,the performance of Anhui rural commercial banks in risk prevention and control is worse than that of their counterparts outside the province.Generally speaking,the core competitiveness of rural commercial banks in the whole province is unbalanced,which is manifested in Northern Anhui > Central Anhui > Southern Anhui.Compared with other provincial rural commercial banks,Anhui rural commercial banks have the characteristics of strong innovation ability but weak security ability on the whole,so their comprehensive competitiveness ranking is also relatively low.Next,this paper further selects the regional economic environment factors,regional scientific and technological environment factors and regulatory environment factors that affect the core competitiveness of agricultural commercial banks,and makes time series regression analysis with the core competitiveness of Anhui Province.The analysis shows that the regional economic environment factors,regional scientific and technological environment factors and regulatory environment factors all have a positive impact on the core competitiveness of Anhui Agricultural commercial banks,while the impact of economic environment factors is not sustainable,while the scientific and technological environment factors and regulatory environment factors have a continuous dynamic image.Therefore,we analyze the current problems faced by Anhui Agricultural commercial banks and give relevant countermeasures and suggestions to support the better development of agricultural commercial banks.Therefore,we analyze the current problems faced by rural commercial banks in Anhui Province and give relevant countermeasures and suggestions to support the better development of rural commercial banks.