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According to the principals of Balanced Scorecard (BSC), we designed the performance evaluation system from five dimensions and evaluated the performance of small and micro businesses microfinance of 8 branches of HARBIN BANK by using Principal Components Analysis (PCA). The effectiveness and practicability of our method were verified by the empirical results and suggestions were recommended to improve the performance of microfinance. Keywords-performance evaluation; balanced scorecard; principal components analysis; microfinance

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Research on the Performance Evaluation of Small and Micro Businesses Microfinance of Commercial Bank based on Balanced Scorecard and Principal Components Analysis