Research On The Financial Competitiveness Evaluation And Improvement Of SDZB Rural Commercial Bank

Rural commercial banks are small and scattered,which are the banking financial institutions with the most common distribution of county outlets,the largest distribution of agriculture-related credit lines and the largest support for rural inclusive finance.It plays a critical role in the development of local economy.At present,the rural financial market competition is accelerating,rural financial service customers their needs are changing,agricultural Banks as born for agriculture,because of financial institutions,need to grasp the economic development trend,to rural market changes,find the core competitiveness,financial competitiveness as an important part of the core competitiveness,is the key to enhance its competitiveness.This paper mainly uses the theoretical research and empirical research synthesis way to complete the analysis,The first step is to collect and summarize the relevant theoretical basis and Chinese and foreign research results,Including the concept of financial competitiveness,the influencing factors of financial competitiveness,competitive advantage theory,financial strategy theory,resource advantage theory;Secondly,take SDZB Rural Commercial Bank as the research object to introduce its basic information,Analyze its financial resources,financial ability,financial strategy and financial execution;then,According to the characteristics of rural Commercial Bank,select 14 indicators to build a financial competitiveness evaluation system,The evaluation of the financial competitiveness of SDZB rural commercial Bank and the other 13 rural commercial banks in S province by factor analysis,Then,the SDZB Rural Commercial Bank in the five public factors and the comprehensive ranking situation,Finally,according to the evaluation results,we can find out the financial competitiveness problem of SDZB Rural Commercial Bank,Then put forward the corresponding improvement measures.The results of this paper show that SDZB agribusinesses bank in select S province other 13 agribusinesses bank ranking,in addition to liquidity factors,other factors ranked lower,so from the assessment system,optimize the equity structure to enhance the intermediate business development level of SDZB agribusinesses bank financial competitiveness.