Research On The Performance Evaluation System Of Rural Banks In Henan Province And Its Influencing Factors

The village bank is the new rural financial institutions in the past ten years.With the number of institutions in the past few years,the number of institutions has reached more than 1,400,and the national policy has given great support to the emerging pillars of rural finance.The banks and banks have filled the gaps in the rural financial market and made great contributions to improving the rural financial services.The performance of the banks has not only affected their own sustainable development,but also the deepening of the financial system.Spirit,and put it into the implementation of the target.Therefore,it is important to analyze the main factors that affect the performance of village banks and establish a scientific evaluation index system,which has important guiding effect on the development of village banks and the whole rural finance.In order to improve the performance level of the banks and villages,this paper studies the operating status and influencing factors of the villages and towns banks in China.At the same time,this paper first summarizes the relevant theories of running performance at home and abroad,and focuses on the performance of small and medium-sized commercial banks and agricultural firms Based on the theory of commercial banks,the paper establishes the performance evaluation index system of village bank operation,including thirteen indicators of five indicators,and uses the factor analysis method to analyze the indicators to determine its weight,so that the village The bank's operating performance to make a comprehensive evaluation,the current stage of the village bank's overall operating conditions.Secondly,this paper also studies the factors that affect the performance of village banks,which are divided into sixmajor items,and use the multiple regression model to analyze these factors as a whole,and clarify their influence on operational performance.As most of the villages and towns banks set up time is not long,its asset quality,profitability is relatively good,and actively respond to the national service "three rural" policy,in improving rural financial services has made tremendous contributions.This paper is based on the data analysis: First,the banks in the economically developed areas,the overall performance is better than the establishment of the economically underdeveloped areas of the village banks,but set up in the poor counties of the village banks due to policy support,The performance is better;the second is most of the village banks in the newly established two to three years running performance is not ideal,but more than three years after the operation,the performance level of their performance are steadily improved;third is the nature of the village bank Operational performance also plays a vital role,in general,the local bank as a sponsor of the establishment of the bank run performance is better than foreign banks as the initiation of the establishment of the village bank;four is to carry out intermediary business,Improve the performance of the banks and villages;five is too much focus on a shareholder is not conducive to the improvement of its performance;Sixth,the size of the village bank assets and structure of its performance has little effect.In order to improve the operational performance of the village bank,we should strengthen the innovation of the middle business and increase the proportion of non-interest income,and should not be confined to the deposit and loan business.Secondly,we should reduce the concentration of the shares and reduce the control of the banks and the banks.Guide private capital to participate in the establishment of village banks.