General Evaluation On The Growth Of Rural Commercial Banks

With the deepening of financial reform, the process of interest rate marketization has accelerated. The series of financial reform, including the full liberalization of loan interest, the rising space expansion of deposit interest rates and the formal implementation of deposit insurance system, has accelerated the process of deposit interest rate marketization. Meanwhile, with financial market accessing to relax, the first five private banks have been allowed to be set up, such as We bank of Shenzhen, Myshare bank of Wenzhou, Kin Cheng bank of Tianjin, Huari bank of Shanghai and Wangshang bank of Zhejiang and so on, and the impaction from internet finance on traditional banking business, the growth of rural commercial banks will face more severe tests. Therefore, in the unpredictable financial market environment, how to survive and keep sustain growth has become an urgent problem and need to solve soon for rural commercial banks.Based on the enterprise growth theory, this paper analyzes the growth mechanism of the rural commercial banks. The connotation of bank growth is organic unity of changeable process, containing the amount of growth and the development of qualitative. The amount of growth refers to the increased amount of pure business resources. The development of qualitative mainly refers to the structural change of business resources, the enhancement of innovation ability and the enhancement of environment adaptability and so on. The strategic mode of growth of rural commercial banks mainly contain epitaxial growth dominated by scale expansion and connotation growth dominated by quality improvement. The growth path of rural commercial banks is mainly composed of natural growth.Through analyzing the factors affecting the growth of rural commercial banks, this paper builds a comprehensive evaluation index system of growth, which include four secondary indexes such as bank scale, operating performance, self-growth potential and financial ecological environment. Through catastrophe progression method to evaluate the growth of rural commercial banks, we can find that there is a large gap in growth of different rural commercial banks, and there is a large volatility in growth of different years of the same bank. What's more, rural commercial banks bring out unbalanced development in the process of growth.In order to promote the growth of rural commercial banks, we should make measures from two aspects. On the one hand, from bank itself, we should perfect management mechanism and strengthen risk management comp rehensively. On the other hand, from financial ecological environment, we should accelerate the establishment of the credit system, give more policy support and implement deposit insurance system.