Our Country Rural Commercial Bank Competitiveness Empirical Analysis

There are three rural commercial zhangjiagang rural commercial bank, changshu rural commercial bank, jiangyin rural commercial bank, which have reformed stock system at November2001. Since they are formally founded, the rural credit cooperatives all over the country have been restructuring, and then they have builded the rural commercial bankRural commercial bank, which mainly provided financial services for local agriculture and farmers, is the main force of the local rural finance. China’s rural commercial bank has made great contributions to the development of "agriculture, countryside and farmers" and it has been greatly improved in company management, asset quality status, profitability. Chongqing rural commercial bank has listed in Hong Kong in December2010, and Beijing agricultural businesses, Shanghai agriculture firm and a number of agricultural businesses also preparation for going public. There will be a more intense competition stage for rural commercial bank. And so it has became an urgent problem need to address how to further improve competitiveness in response to the fierce bank financial competition.According to the competitiveness theory of the commercial bank, this paper gives the rural commercial bank competitiveness evaluation index system. Then, it makes the factor analysis to our15companies’competitive rural commercial bank, ranking these banks in competitive. And then, cluster analysis is used to classify these rural commercial banks, to explore the characteristics of all kinds. Finally, this paper further case analyzes the competitiveness of Jiangyin rural commercial bank as a advanced rural commercial bank, proposing to promote the competitive of our country rural commercial bankThe article consists of seven chapters.Chapter Ⅰ:Introduction. This chapter mainly introduced the purpose and meaning, current research status and research methods of this paper. Chapter Ⅱ:Commercial bank competitiveness theory. This chapter, the theoretical basis of the full text, summarized the competitiveness theory of commercial bank. The enterprise competitive meaning and evaluation theory was first analyzed. On this basis, combining with the characteristics of commercial bank, this chapter theoretically analyzed the connotation of commercial bank competitiveness evaluation.Chapter Ⅲ:The current situation of the development of rural commercial bank. This chapter reviewed the creation and development present situation of the rural commercial bank. First introduced that many governments has restructured the rural credit cooperatives, establishment of the rural commercial bank and other rural financial form in the background of the rural financial system reforming. Second this chapter pointed out that the differences between the rural commercial bank and other rural financial forms and defined the study object of this article. Finally, the analysis on management status of rural commercial bank in our country and the future trend of the development was given.Chapter Ⅳ:The competitiveness of rural commercial bank and evaluation index system design. Combining the definition of the rural commercial bank and the developing situation, this chapter made the discussion of the competitive of the commercial bank based on the theory of competitive. Second this chapter designed the rural commercial bank competitiveness evaluation index system. And the last in the evaluation index system framework, it chooses an empirical analysis of the need analysis method, and then gives the basis.Chapter Ⅴ:Rural commercial bank competitiveness empirical analysis. This chapter firstly introduced the selection of the bank and the analysis of samples, using factor analysis method to get the competitiveness index15home rural commercial banks and the degree of influence competitive direction. Then, this chapter classified to these rural commercial banks using cluster analysis to explore the characteristics of all kinds, and analyze the internal factors and supply a reference for rural commercial banks to raise their competitiveness.Chapter Ⅵ:Case analysis:Jiangyin rural commercial bank competitiveness. This chapter is the case analysis. Through the rural commercial bank competitiveness empirical analysis, we can get the conclusion that Jiangsu province rural commercial bank has more comprehensive competitive among15 rural commercial banks. This chapter selects Jiangyin rural commercial bank as a case, and sums up the experience in business management, to provide reference for improve the competitiveness of rural commercial bank.Chapter Ⅶ:The way to upgrade the competitiveness of rural commercial bank. This chapter is mainly talk about the advice to enhance the competitiveness of rural commercial bank. Combined with an empirical analysis of the advanced front and rural commercial bank of experience for reference, this paper puts forward four suggestions the rural commercial banks should root county, service the countryside; reduce the management cost and improve the operation efficiency; control the credit risk to improve the quality of the assets; financial innovation, achieve the economies of scale.This article selects the rural commercial banks as the research content. The contribution of this paper is evaluate the competitiveness of rural commercial bank using the factor analysis, based on the research of the past specialists and scholars. At the same time, based on the use of cluster analysis to sample bank, we explore all kinds of characteristics, and analyze the internal factors, and provide reference to improve the competitive power of rural commercial bank. However, this paper also has some disadvantages. In this paper, the design of the competitiveness evaluation index system needs to further perfect. Also, there are many difficult in the rural commercial bank’s financial data collection process such as the financial data statistics caliber is inconsistent, some important project data loss etc. Therefore, in the empirical analysis, the author have to give up some incomplete data index, which impacts on the accuracy of competitiveness of China rural commercial bank when we calculate the model to some extent.