The Evaluation Of The Sustainable Development Of Rural Banks In Heilongjiang Province

Present rural financial market is still in the stage of monopoly, the monopoly will inevitably lead to inefficiencies, rural banks created in order to introduce a new financial institution, to make up for the absence, to promote the development, breaking the old balance of power in the rural financial markets; in order to better to build the financial market system in rural areas to seek more comprehensive rural financial services, give farmers better financial experience, fill gaps and blind spots of rural financial services; in order to facilitate the resolution of rural issues, so that the level of economic development in rural areas boarded a new level. Establishment of rural banks marked the birth of the new-type rural financial institutions, it can not only promote the development of rural areas and improve the financial system, but also to revitalize the financial resources in rural areas, the rural financial market full of new vitality. Rural banks has gradually become an important and indispensable role in rural financial market, it has made gratifying achievements, but in the rural banks from the weak become strong during breeding some pro blems, if not solve these problems, bound to have a rural bank adversely affect sustainable development.This paper uses empirical analysis and normative analysis, combining quantitative and qualitative analysis, the combination of such methods as literatu re review method, based on the research of the domestic and foreign research literature review, define the definition of sustainable development of rural banks, based on the basic theory of sustainable development of rural banks, in order to facilitate data and ensure the integrity of the research process, this article in Heilongjiang Province and Ba Yan rural bank(Ba Yan rural bank is the first rural banks that was established in 2008, located in Harbin city of Heilongjiang Province) as samples to analyze the sustainable development of rural banks in Heilongjiang Province, through the analysis and study of sustainable development and evaluation for the future development trend of rural banks, provide theory support for the sustainable development of rural banks in Heilongjiang Province. At first, this paper analyzes the current development of rural banks in Heilongjiang Province, points out the important problems in the process of development, and changes from a financial factors, customer flow factors, business development, matching risk factors, human resource allocation and the financial ecological factors and so on six aspects to analyze the influence factors for the sustainable development of rural banks, in the dynamic comparability principle, feasibility principle, systematic principle, the principle of combining the quantitative and qualitative and sustainable principles under the guidance of the five principles for the establishment of evaluation index system of sustainable development of rural banks built six first-level indicators, 23 secondary indexes, and then uses the CRITIC method for model building and empirical analysis, through this research for the sustainable development of rural banks in Heilongjiang Province to provide some suggestions for the feasibility of the theory, the theoretical basis for making decisions for the government.