Investigation And Analysis Of Business Performance Of Rural Bank In Harbin

Rural banks are the most established types of new-type rural financial institutions that have developed vigorously in the recent three years.They are the main force for increasing rural financial supply,promoting competition in rural financial markets and improving rural financial services.Their performance is good or bad Related to its own sustainable development.Therefore,to establish a scientific index system to evaluate its operational performance and analyze the main factors that affect its performance has an important guiding role for the sustainable development of rural banks in the pilot phase.However,what are the operating conditions of rural banks in our country at this stage?Which aspects affect the performance of its operation? How to improve their performance level? In order to research the above problems,this paper firstly analyzes the theory of studying the performance of community banks and village banks at home and abroad,and analyzes the status of village banks 'operation by combining with the methods established by commercial banks' performance evaluation index system to set up the performance evaluation index system of village banks,Sex,liquidity,profitability,development ability,social influence of the five aspects of their comprehensive evaluation,and thus come to the current stage of the rural bank's overall operating conditions.Finally,the conclusions are as follows: First of all,village and town banks are in a period of rapid business development,with higher asset quality,better profitability,steadily improving capital utilization efficiency and financial management capability,and at the same time.Second,it can be seen that although most of the rural banks did not perform well in the initial stage of their establishment,their performance levels have risen over a period of management and management,and the overall performance of rural banks in areas with good economic conditions is better than that of the rural banks Rural banks with poor economic environment.Thirdly,carrying out intermediary business and reducing liquidity all contribute to the improvement of the performance of rural banks.However,the high concentration of ownership is not conducive to the improvement of its performance.Second,the study shows that from the perspective of good operation of towns and villages in Harbin,the current asset size and ownershipstructure of village banks do not have a significant impact on their operational performance.In terms of countermeasures and suggestions,in order to improve the operating performance of rural banks,we should first perfect the financial service system of rural banks,including accurately targeting clients,focusing on innovative financial services and building specialized personnel teams.Secondly,we should establish and improve a supervisory system for rural banks.For example,of the township banking industry associations,while improving financial supervision;but also increase policy support,and actively promote the relevant supporting reforms;also broaden the financing channels,and constantly improve their management level,and actively carry out micro-finance business;Finally,we must pay attention to the optimization ownership structure,and actively introduce private capital to set up rural banks.