Title: The Factors Affecting the Performance of Rural Commercial Banks – A Case Study of ABC Rural Commercial Bank
Author: Feng Junke
Advisor: Dr. Zhang Li
Degree: Master of Business Administration
Major: Finance and Accounting
Faculty: บัณฑิตวิทยาลัย (Graduate School)
Academic year: 2567 (2024)
Published: The 8th STIU International Conference “TechVision Leadership: Fostering Social Sustainability” July 4-5 2024 (pp.174-183) Proceedings PDF
Abstract
The performance of rural commercial banks is a crucial element for the economic development of rural areas. This study investigates the factors affecting the performance of ABC Rural Commercial Bank, focusing on management efficiency, asset quality, and market conditions. The specific issues addressed include the challenges in management practices, maintaining high asset quality, and adapting to changing market conditions. The objectives of the study were: 1) To examine the effect of management efficiency on the performance of ABC Rural Commercial Bank, 2) To examine the effect of asset quality on the performance of ABC Rural Commercial Bank, 3) To examine effect of market conditions on the performance of ABC Rural Commercial Bank.
Based in the Bank Performance Theory, this study adopted the quantitative research method to empirically test the proposed hypotheses. Data were collected through a structured survey with questionnaires distributed to employees and managers of ABC Rural Commercial Bank, yielding 230 valid responses. Descriptive statistics provided an overview of the sample characteristics, while multiple regression analysis was employed to test the relationships between the variables.
The results of the study confirmed the hypotheses corresponding to the research objectives. Management efficiency, asset quality and market conditions have a significant positive effect on the performance of ABC Rural Commercial Bank. Based on these findings, the study proposes three key improvement strategies: enhancing management efficiency through training and performance-based incentives, strengthening credit risk management with advanced evaluation tools and effective NPL management, and adopting flexible strategies to adapt to favorable market conditions.
In conclusion, this study provides comprehensive insights into the factors influencing the performance of ABC Rural Commercial Bank. The findings highlight the importance of effective management practices, maintaining high asset quality, and adapting to external market conditions. The proposed strategies offer practical solutions to enhance the bank’s financial performance, contributing to its long-term sustainability and the economic development of rural areas.
Keywords: bank performance theory, management efficiency, asset quality, market conditions
The Factors Affecting the Performance of Rural Commercial Banks – A Case Study of ABC Rural Commercial Bank /
6617195035 Feng Junke 2567 (2024) The Factors Affecting the Performance of Rural Commercial Banks – A Case Study of ABC Rural Commercial Bank สารนิพนธ์ (Independent Study), Advisor: Dr. Zhang Li, ปริญญาโท (Master’s Degree), บัณฑิตวิทยาลัย (Graduate School), Master of Business Administration, Finance and Accounting, Bangkok: Siam University
Academic Year 2023, Graduate School 2023, IMBA, IMBA 2023, Independent Study, Independent Study 2023, Master of Business Administration, Master of Business Administration (International Program) 2023, Master of Business Administration 2023, ปริญญาโท (Master’s Degree), บัณฑิตวิทยาลัย (Graduate School), Master of Business Administration,Finance and Accounting