Research Of Testing And Evaluating About Rural District Commercial Bank's Transaction Cost

Began at 2004, National First Level documents keep attention at Three Agriculture problem. Furthermore, rural finance has become new national strategic point for rural economy's development. From past several decades, country has injected numerous human resource and stuff into rural finance revolution. But, such an ambitious plan didn't perform a pleased result matching its huge investigation. As far as we can see, domestic researchers are confused by problems like HOW(how can we reform rural finance system), WHERE(where can we start rural finance system's reforming) and WHAT(what can we start rural finance system's reforming depend on).This essay isn't just study on method's innovation, but also has practical mean for national rural finance system's revolution.This essay will start research from rural district commercial bank which is a crucial participant in rural finance. And in a deeper level, this essay focuses at transaction cost of commercial bank and its influence. Transaction cost is an inevitable cost born with rural finance system's operation. This kind of cost is an index is also defined as a qualitative index owning fuzziness and dynamics, and exists in any sorts of connection among stakeholders of rural finance. Its existence affects the operative efficient of rural finance on a significant extent which makes it an essential reason influencing reforming process of rural finance. Aiming at transaction cost's character, this essay introduces Fuzzy Comprehensive Evaluation which can give un-digital evaluation the function of computing and model deducing.Digital evaluation can help decision maker to accurately grasp rural district commercial bank's operative efficient, and finally, guide entire work of rural finance revolution and construct a more perfect rural finance revolution system.Firstly, this essay will give a brief summary to rural district commercial bank's transaction bank, and introduces transaction cost's evaluation, concept of commercial bank's transaction cost evaluation and Fuzzy Comprehensive Evaluation,as well as relatable literature review.Secondly, this essay will expound the value of rural district commercial bank's evaluation and this research's feasibility and confirm an entire research path.Furthermore, it will construct the operation of Fuzzy Comprehensive Evaluation in the evaluation process of rural district commercial bank's transaction cost; select evaluation index for rural district commercial bank's transaction cost; construct ruraldistrict commercial bank's evaluation system from multi-perspective like index element, implementation method, result analysis and so on which can afford a benefit standard for rural finance's revolution.At last, this essay will evaluate Chang-zhu-tan district's rural commercial bank's transaction cost as a practical example. This research constructs fuzzy matrix by Specialist Research, and confirm each index's weight by AHP; and then, issue questionnaires for data collection and calculate index's subordination degree. After finishing steps before, we calculate transaction cost with Fuzzy Comprehensive Evaluation as the final result and proceed a brief analysis.