| Rural commercial bank are an important part of China’s financial system,they are also the main force of banking financial institutions to support "agriculture,rural areas and farmers" and small and micro enterprises.Compared with state-owned banks and other joint-stock commercial banks.Rural commercial banks adhere to the market positioning of "supporting agriculture,rural areas and farmers,small and medium-sized enterprises,and serving local people",they shoulder important responsibilities of helping local economic development,serving agriculture,rural areas,farmers and small and micro enterprises,and promoting targeted poverty alleviation and rural revitalization.Meanwhile,as a banking financial institution,the rural commercial bank itself has an important function of resource allocation,with prominent publicity and great influence on local social economy,and their social responsibilities are constantly enriched with the development of society.Fulfilling social responsibilities well will not only help promote the development of rural commercial banks and enhance their social influence,but also further leverage the advantages of rural commercial banks in financial services,enhance the social well-being of the region,and improve the efficiency of social governance.In order to better recognize and perform social responsibilities,rural commercial banks must establish a suitable evaluation system for the performance of social responsibilities according to their own characteristics.This paper takes Henan Y Rural Commercial Bank as an example,combs through relevant literature,and refers to the social responsibility reports issued by domestic commercial banks,to construct a social responsibility performance evaluation system for Y Rural Commercial Bank,and determine 6first-level evaluation indicators and 22 Secondary evaluation indexes.By using the AHP-fuzzy comprehensive evaluation method to analyze the social responsibility performance effect of Henan Y Rural Commercial Bank,determine the weight of each evaluation index,and obtain the final evaluation result through fuzzy operation,which shows that the social responsibility performance effect of Henan Y Rural Commercial Bank is above average.According to the evaluation results of various indicators,it is found that Henan Y Rural Commercial Bank has major deficiencies in the fulfillment of social responsibilities to shareholders,customers,employees and the environment,and accordingly puts forward feasible suggestions to improve the performance of its social responsibilities.First is to protect shareholders’ rights and optimize bank governance.The second is to improve the ability to resolve financial risks.The third is to launch comprehensive services to meet customer needs.The fourth is to attach importance to and resolve employee demands.The fifth is to promote the construction of green finance.It is hoped that through this research,Henan Y Rural Commercial Bank will pay more attention to its own social responsibility and continuously improve the level of social responsibility fulfillment.At the same time,guiding more rural commercial banks to actively improve their ability to fulfill social responsibilities and contribute to the prosperity and development of local economy and society. |
