Research On Operational Performance Evaluation Of E Rural Commercial Bank

Rural finance plays an irreplaceable role in accelerating the construction of new socialist countryside and deepening the reform of rural economic system.Rural commercial bank play an major role in the rural setup of finance,as the property right reform continues to advance,deposit and other traditional the gradual improvement of the market share of main business,asset scale continues to expand,rural commercial bank implements a significant boost in all aspects,business performance,comprehensive ability,and greatly enhance the anti-risk ability,become the backbone of supporting the construction of our country "three agriculture".Rural commercial bank is a rural commercial bank co.,LTD.,which is rooted in the traditional rural credit cooperative association,and constantly docking the actual financial operation and management and the new rural financial needs.Compared with state-owned commercial Banks and some local commercial Banks,rural commercial Banks still have a big gap.With the sustainable growth of China's economy and the deepening of the financial system reform,interest rate marketization of constantly improve,the development of the Internet financial,banking diversified pattern formation,national gradual freedom of the rural financial system,the rural commercial bank are preparing for and respond to an increasingly fierce competition and more severe situation.Under this situation,it is extremely necessary to evaluate the operation performance of rural commercial bank scientifically and objectively.Based on a careful reading,enterprise operating performance evaluation at home and abroad for reference,the related theoretical study and daily practice,on the basis of exploration achievements,analyzed the main factors affecting agribusiness E bank business performance,from the profitability,liquidity,security,agricultural growth four aspects to construct the E commercial bank management performance evaluation system,and to include 11 agribusiness,E agri-businesses Banks bank nearly three years of financial data as sample,comprehensive evaluation and comparison its operating performance in the factor analysis,and then puts forward the ascension E agri-businesses countermeasures of bank business performance.The main verdicts are as follows :(1)the construction of E rural commercial bank's business performance evaluation system should follow the principles of comprehensiveness and importance,independence,feasibility and objectivity,relevance and comparability.Given Eagri-businesses Banks operating performance by the profitability,liquidity,security,growth,and the influence of such factors as its operating performance evaluation index design should be based on these aspects,choose the capital profit margin,operating profit margin,non-performing loans,deposits and loans,loan loss preparation ratios,non-interest income growth and liquidity ratio,capital adequacy,deposit growth rate,cost evaluation indexes such as ratio of income;(2)to some extent,E rural commercial bank is different from other commercial Banks in terms of its operation and management philosophy,development speed,development scale and operation performance.However,due to its uniqueness,it has its own development advantages,which also means that E rural commercial bank has great development potential and room for improvement in operation performance.(3)E agri-businesses bank should according to oneself the periodic characteristics of the operation and development as well as the banking industry,the development trend of the current through effective strengthening management to enhance the level of profit steadily and effectively strengthen risk control to steadily improve asset quality,effective reinforcement to steadily improve development quality,and the effect of business innovation,efforts to improve its market core competitive power and operating performance,the motivation of development,its potential and vitality.