Empirical Analysis Of Rural Commercial Bank Competitiveness

In November of 2001,Rural commercial bank is support by the transformation of rural credit cooperatives by the national rural financial policy.After 13 years of development, rural commercial banks become strong in many aspects, such as in corporate governance, asset management, profitability, growth force obtained substantial improvements. Now there has 657 institutional investors, and the paid-in capital reached 340.03 billion yuan, and assets of 1.04 billion yuan, accounting for 12.8% of the total assets of the banking industry, it has become a mainstay of financial industry in our country, and there have been five rural commercial bank listed towards the international market.Rural commercial bank as the center of the county economic development and reform, its survival and development cannot leave the county economy, also, the construction of the economic system also cannot leave the rural commercial bank, its belong to mutually symbiotic relationship. In the past ten years, Rural commercial banks provides a powerful guarantee to the rapid development of the rural economy,especially in the rural land system reform, the construction of new rural economy, crop management. Due to rural commercial bank starts late relative to the large state-owned commercial banks and joint-stock commercial banks, that in the system construction, management idea, talent training, market share, scale deposit has obvious gap, and cause the lack of competitiveness. In this paper, through the construction of the rural commercial bank competitiveness evaluation index, using the factor analysis method and SPSS.19 software to get the ranking of the rural commercial bank competitiveness, then, according to the rankings of the rural commercial bank competitiveness trends, factors affecting the competitiveness of rural commercial bank, the problems existing in the development of rural commercial banks, and then puts forward some countermeasures and suggestions to improve the competitiveness of rural commercial bank.This article selects 22 commercial Banks as sample, including six city commercial banks, and sixty rural commercial banks, this article using factor analysis method, it concluded four common factors that affect the rural commercial bank competitiveness, respectively risk ability to cover factor, operating efficiency factor, development factor and the efficiency of safety factor. Then, according to the four factors to calculate the 22 commercial bank competitiveness rankings.Finally through the comparison of rural commercial Banks and city commercial Banks, rural commercial bank the contrast between the bank, as well as the central, western and eastern three areas in China rural commercial bank competitiveness contrast found several conclusions.(1) Compared with the city commercial Banks, rural commercial bank competitiveness is weak. The reason is that rural commercial bank risk cover ability is very weak, high non-performing loans rate is one of the main reason, and per capita profit margins is low, the reasons for low cost high yields as well as the competitiveness.(2) Development capacity factor's influence on rural commercial bank competitiveness gradually increased. According to the analysis, development capacity factor of rural commercial bank competitiveness variance contribution rate increased year by year, and as a decisive role for the rural commercial bank competitiveness rankings.(3) The main business place set up in the county's rural commercial bank competitiveness is better than in the urban area. According to 16 rural commercial bank competitiveness rankings, as can see that, the main business place set up in the rural commercial bank competitiveness of the county is stronger than the main business place set up in big cities or in rural commercial bank.(4) Facing fierce market competition, the rural commercial bank operating stability is bad, and weak ability to resist risks. According to the data contrast, it found that the rankings do not have stability of the rural commercial bank, in the face of market interest rate, the Internet financial trend hits, the competitiveness of different rural commercial bank to show the effect is a big gap, leading to poor stability.(5) In the eastern, central and western rural commercial bank competitiveness comparison can be concluded that the eastern rural commercial bank in competitiveness rankings have a downward trend, while the western rural commercial bank competitiveness enhanced gradually, This is the result of the government's policy support.Through the empirical analysis, this article through the market orientation, operating cost, the credit system and financial innovation four angles puts forward the countermeasures and suggestions in rural commercial bank competitiveness. Suggested that rural commercial bank should take root in the rural, the service "three rural", will be the main management place set up rural commercial bank in the county; To perfect the risk control and credit system, risk diversification, risk of compensation and perfecting the credit system in three aspects to strengthen risk control; Will strengthen the internal management system, employee income and non-wage costs, set up the standard cost management mechanism to control the cost; Financial innovation efforts, transverse broaden business types and extend the business channel, in order to improve competitiveness.