农村商业银行经营定位与金融服务能力考核指标体系评价——基于四川的样本调查

Business Orientation of Rural Commercial Banks and the Assessment Index System to Evaluate Their Financial Services——A Sample Survey of Sichuan Province

农村商业银行回归县域本源,专注支农支小信贷主责主业,优先支持三农及小微企业发展,是乡村振兴背景下农村金融改革的现实要求。而现实中仍然存在部分农村商业银行偏离支农支小战略定位、小微主体金融需求得不到满足的问题,亟需优化农村商业银行经营定位与金融服务能力考核指标体系,强化农村商业银行支农支小绩效考核监测。本文基于四川省农业商业银行的样本调查数据,分别从科学性、合理性、完成难度及优化需求四个维度对指标体系展开评价,发现部分考核指标与实际服务存在脱节;考核指标体系的指标设置不够全面;考核体系缺乏权重的考量;考评结果的应用激励性不强。并分别从优化指标体系内容设计,精准引导机构提升服务质效;依据考核重要程度,合理分配各项指标权重;强化考评结果的应用,增强绩效考评效用;适时对考核指标体系进行动态调整等方面提出考核指标体系优化策略。

Under the background of rural revitalization,rural financial reform requires rural commercial banks to refocus on supporting agriculture and small loans incounties,giving priority to agriculture,rural areas and farmers as well as the development of small and micro enterprises.However,in reality,some rural commercial banks still deviate from this orientation.As a result,the financial needs of some small and micro entities in counties haven’t been well met.Therefore,it is urgent to improve the business orientation and optimize the assessment index system of financial services of rural commercial banks.We should strengthen the evaluation monitoring of rural commercial banks’performance in supporting agriculture and small businesses.Based on the sample survey data in Sichuan,this paper evaluates the index system from four dimensions:scientificalness,rationality,difficulty level of completion and demand for optimization.It is found that some assessment indicators are disconnected from actual services,the index setting is not comprehensive enough,weighting factors are not included and the incentive effect of the evaluation results are not strong.To solve these problems,some optimizing strategies are put forward:to optimize the index system,to precisely guide organizations to improve their service quality and efficiency,to reasonably allocate the weight of each indicator according to the order of importance,to strengthen the application of evaluation results and enhance the effectiveness of performance evaluation,to adjust the evaluation index system in time in a dynamic way.