Research On The Construction And Application Of Profitability Evaluation System Of Rural Commercial Banks In Region

Under the background of interest rate liberalization,with the continuous development of the market economy and the continuous liberalization of the financial market,especially the rapid development of Internet finance,the profitability of traditional deposit and loan spreads has gradually weakened,and commercial banks are facing unprecedented challenges.challenge.There are 23 bank legal person institutions and 10 bank branches in D region.The 10 rural commercial banks in this region are facing many difficulties in the fierce competition environment.The profitability of commercial banks is the basis for the survival and development of commercial banks,and improving the profitability of commercial banks is crucial to the sustainable development of commercial banks.Based on the first-hand data obtained by the author in the rural commercial banks in the D region,this paper takes 10 rural commercial banks in the D region as the research object,and conducts a comprehensive and in-depth analysis of the current situation of the profitability evaluation of the rural commercial banks in the region.According to the analysis,find out the problems and shortcomings in the profitability evaluation of the rural commercial banks in the region,select the profitability,safety,liquidity and growth indicators that affect the profitability of the bank,and use the principal component analysis method to analyze the selected indicators.Carry out weight division and build a profitability evaluation system for rural commercial banks in D region.After the profitability evaluation system is established,take the representative Rural Commercial Bank A in the region as an example,analyze and evaluate the profitability of Rural Commercial Bank A,effectively evaluate the profitability of Rural Commercial Bank A,and based on the evaluation In view of the obstacles and difficulties in improving the profitability of A Rural Commercial Bank,targeted improvement measures are put forward.The first chapter starts from the introduction of the research background and significance of this paper,and proposes the research method and research content of this paper.The second chapter introduces the profitability of commercial banks and related theories and evaluation methods.The third chapter analyzes the status quo of the profitability evaluation of rural commercial banks in D region,and puts forward the existing problems.The fourth chapter builds the profitability evaluation system of the rural commercial banks in the D region by using the principal component analysis method based on the index data of the 10 rural commercial banks in the D region in the past five years.The fifth chapter is the application of profitability evaluation system in A rural commercial bank.According to the results of profitability evaluation,it analyzes the current situation and existing problems of A rural commercial bank,and puts forward suggestions for improving the profitability of A rural commercial bank.The sixth chapter is the organizational guarantee of the profitability evaluation system.Chapter 7 summarizes the article and puts forward an outlook.